France Silver Éco (FSE) and Crédit Agricole Personal Finance & Mobility are committed to accelerating the adaptation of housing to aging through a national charter of good practices
Paris, January 13, 2026. On the occasion of the National Silver Economy Council, France Silver Éco (leader of the sector) and Crédit Agricole Personal Finance & Mobility are committed to accelerating the adaptation of housing to aging through a national charter of good practices. This approach brings together key players around a common goal: to propose a simple, ethical and accessible offer to allow seniors to age at home.
If today, those over 75 represent nearly 10% of the population (nearly 6 million people), they will reach nearly 20% in 2070, or nearly 14 million French(1). To cope with this demographic transition, housing is the cornerstone of a major plan: 90% of seniors want to age at home, which means responding to a strong societal aspiration, guaranteeing the maintenance of social ties and autonomy. These projections call for a massive and coordinated response, integrating financial solutions to allow immediate adaptation of housing and a spreading of the payment of works.
This is the meaning of the charter of good practices signed on December 18, 2025, in order to structure and accelerate the adaptation of housing to promote good aging.
The charter brings together key players in adapting housing to aging:
A dedicated financing offer
Sofinco is launching a loan to adapt housing to aging that professionals can offer their customers. This solution allows seniors to finance or co-finance their adaptation work with simple and accessible modalities. It aims to lift the economic brake identified by the Ifop study (November 2023), according to which 38% of seniors consider financial assistance as a priority expectation to stay at home.
Sofinco is also the financial agent of the National Housing Agency (Anah). This role allows it to support building professionals by directly paying them public aid – MaPrimeAdapt’ and MaprimeRénov’ – as soon as the eligible works are completed and thus limit the impact on their treasury.
These commitments are part of Crédit Agricole Personal Finance & Mobility’s 2028 strategic plan to support environmental and societal transitions. This is reflected in particular in the ambition to finance 1 billion euros of works in France by 2028.
An animation work
The Silver sector will now continue to work on raising awareness among professionals about demographic issues and the availability of funding. The objective will also be to give visibility to this system with prescribers or intermediaries (UNCCAS, associations of elected officials, associations, federations of home services…).
(1) Insee
Press Contacts
France Silver Éco : Julien Boittiaux – julien.boittiaux@plead.fr / +33 6 32 69 08 92Crédit Agricole Personal Finance & Mobility / Sofinco : Claire Garcia – presse@ca-cf.fr / +33 6 80 41 17 77
About France Silver Éco
France Silver Éco has been the national leader of the Silver Economy sector since 2018. Created in 2013, the sector brings together all the actors — companies, start-ups, associations, federations, mutual societies, local authorities — who work to adapt society to aging. France Silver Éco coordinates initiatives, promotes innovations and promotes synergies between stakeholders to develop concrete solutions in the fields of housing, mobility, digital, tourism, leisure and health. It acts to make aging well a collective, sustainable and inclusive issue.
About Crédit Agricole Personal Finance & Mobility
Crédit Agricole Personal Finance & Mobility is a leader in personal finance and a provider of access to all mobility solutions in Europe. It distributes a wide range of financing solutions – depreciable credit, revolving credit, leasing and credit buyback – directly at its partners’ point of sale or e-commerce platforms, with associated services including insurance, split payment solutions and mobility services, with the aim of meeting the challenges of energy transition in mobility, housing and consumption. Its financing solutions and services are offered in France via Sofinco, in Italy via Agos, in Germany via Creditplus, in Portugal via Credibom, in Spain via Sofinco Espana, in Morocco via Wafasalaf, and in China via GAC-Sofinco (car financing only) and GAC-Sofinco Leasing. Crédit Agricole Personal Finance & Mobility aims to be the leader in electric mobility in Europe and offers a mobility continuum in the 22 countries where it operates (leasing, medium and short-term leasing, subscription, car sharing, installation of charging stations, etc.). The company relies on Leasys, JV, co-owned equally with Stellantis, CA Auto Bank and Drivalia, the pan-European leader in car finance, leasing and mobility, Crédit Agricole Mobility Services, a comprehensive range of services dedicated to mobility and the development of car finance in its universal subsidiaries in Europe and in Crédit Agricole’s Regional Banks and at LCL via Agilauto. Personal Finance & Mobility acts every day in the interest of its 16.7 million customers and the company. At December 31, 2024, Personal Finance & Mobility managed €119.3 billion in outstanding loans. For more information: www.ca-personalfinancemobility.com