Abbreviated form of legal source(s)
Law on finances for 2024
Decree No. 2024-299
Order of September 3, 2024
Description of support scheme
The zero-interest eco-loan allows to finance the energy renovation of houses without making a financial advance and without paying interest. This loan, secured by a mortgage is repaid when the property is transferred (resale, inheritance).
The support is extended until 31 December 2027.
Amount
Only one zero-interest eco-loan can be granted per dwelling, unless a complementary zero-interest eco-loan is used, without the total amount of the two loans exceeding €30,000. Depending on the type of work, homeowners are entitled to: • up to €15,000 for a single action from the list of eligible works, except for the replacement of windows, where the ceiling is €7,000 • up to €25,000 for carrying out 2 of the 7 eligible actions • up to €30,000 if you carry out 3 or more of the 7 eligible actions and for work that achieves a minimum overall energy performance • up to €10,000 for the rehabilitation of a non-collective sanitation system • up to 50,000 euros for overall energy performance work • up to 50,000 euros to finance the remaining cost of energy renovation work eligible for MaPrimeRénov’
Addressees
The loan is available for the following categories: • Natural persons (owner-occupier or lessor) including co-ownerships. • Non-trading companies not subject to corporation tax, at least one of whose partners is an individual. The zero-interest eco-loan (eco-PTZ) is available to all homeowners, whether they are occupants or lessors, and is not means-tested.
Procedure
Once homeowners have budgeted for the work to be carried out, they must apply to a bank after filling in the "Borrower" form, duly accompanied by supporting documents. The credit institution that distributes the zero-rate eco-loan must have signed an agreement with the State. Homeowners have 3 years to carry out the work from the time the loan offer is issued. When the work is completed, all the invoices must be sent to the chosen credit institution for proving that the work has been carried out. If the identity of the company or the nature of the work has changed since your eco-PTZ was granted, you must also submit the "Companies" form.