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Eco-PTZ (zero-interest renovation loan)
IndividualDedicated calculatorSupport / worksLoan
Interest-free loan up to €50,000 to fund energy renovation.
In detail
The eco zero-interest loan funds, interest-free, energy improvement works on your home. Granted with no means test by partner banks, up to €50,000 repayable over up to 20 years. Works by an RGE contractor. Combinable with MaPrimeRénov'.
Eligibility conditions
No means test; works by an RGE contractor; application filed at the bank before any signed quote or deposit. Scheme extended to 31/12/2027.
How to get it
- Define the works with an RGE contractor
- Prepare the file (borrower form)
- Apply at the bank before signing the quote
- Complete the works within the required timeframe
Combining with other grants
Stacks with MaPrimeRénov' and CEE. It's a zero-interest loan covering the remaining cost.
Stacks with
MaPrimeRénov' (home energy renovation grant)CEE — Energy savings bonuses (Energy Savings Certificates)
Indicative — confirm on the official site.
Prepare your application
Documents usually required. Tick as you go — your progress is saved.
Indicative list. Check exact documents on the official site.
Similar grants
MaPrimeRénov' (home energy renovation grant)
State grant to finance the energy renovation of your home.
From ~€1,000 to ~€70,000 depending on income and pathway
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CEE — Energy savings bonuses (Energy Savings Certificates)
Bonuses paid by energy suppliers for your energy-saving works.
Varies by works; 'Coup de pouce' top-ups for low-income households
+
MaPrimeAdapt' (home adaptation grant)
Grant to adapt your home for ageing or disability.
50–70% of works, €22,000 (excl. tax) cap (up to ~€15,400)
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