Decree of 22 December 2025: electronic notices, collective loans and insulation in condominiums

    In short: decree no. 2025-1292 of 22 December 2025 (Official Journal of 24 December) amends the decree of 17 March 1967 on three points: electronic channels become the rule for notices and formal demands, the collective loan in the association's name is organised, and insulation works on roof or floor by an owner are regulated. Status: in force.
  

Why this decree?

It implements law no. 2024-322 of 9 April 2024 on degraded housing, which created the collective loan (article 26-4 of the law of 10 July 1965) and changed notification rules. The decree notably rewrites articles 64 to 64-9 of the decree of 17 March 1967.

1. Notices: electronic by default

General meeting notices, calls for charges, minutes and formal demands are now sent electronically as a rule. Two channels are provided: registered electronic mail or a qualified trust service provider.

An owner can ask to keep receiving mail by post.
Owners must give the syndic their email address; prior consent to appear in the owners' list on the extranet is removed, and the syndical council has access unless it objects.
According to commentaries, who bears the postage costs remains an open question.

2. The collective loan

The association can borrow in the name of all owners to fund works, with those who wish able to take part through a joint guarantee. The decree specifies the syndic's role: building and following the file is a separately paid service, which requires an amendment to existing syndic contracts. The pre-sale statement (état daté) must show the amount the seller still owes under the loan. How an owner may opt out is described differently by commentators and should be checked in the text.

3. Roof or floor insulation by an owner

An owner can have the roof or floor of their unit thermally insulated where this affects common areas or the building's appearance, with the general meeting's authorisation (article 25-2-1 of the 1965 law). The syndic may put the item on the agenda only if the owner supplies a full technical description: nature and duration of works, materials and warranties, plans. Works start only after the two-month challenge period.

Another text to know: the decree of 9 January 2026

Decree no. 2026-10 of 9 January 2026 concerns distressed condominiums. According to Immo Formation it creates a label "management of distressed condominiums" for court-appointed administrators, with training obligations. Another commentary describes the text without mentioning a label: to be confirmed on Légifrance.

To verify: sources do not give the same application date for the new rules, and one commentary says they apply immediately to syndic contracts concluded after the decree. Check the official text before any decision.

What this means in practice

For the syndical council: check that the syndic holds email addresses and offers postal delivery to those who ask.
For volunteer or cooperative syndics: pick a compliant notification channel (registered electronic mail or qualified provider) and keep proof of delivery.
For a works project: compare the collective loan with classic calls for funds, factoring in the management fee charged.

Sources

Frequently Asked Questions (FAQ)

Must general meeting notices be electronic?
Electronic delivery is the rule since the decree of 22 December 2025, but an owner can ask to keep receiving mail by post.

What is the collective loan?
A loan taken out by the association in the name of the owners to fund works, created by the law of 9 April 2024 (article 26-4 of the 1965 law) and organised by the decree.

Can an owner insulate their roof or floor?
Yes, with the general meeting's authorisation and a full technical description (article 25-2-1 of the 1965 law).

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Informational article based on legal commentaries (Immo Formation, Village de la Justice, 544.fr); official texts were not consulted and should be checked on Légifrance. Not legal advice.