The Eco-PTZ (Eco-Pret a Taux Zero) is a government-subsidized loan where the state pays the interest. Homeowners can borrow up to 50,000 EUR at 0% interest over 20 years for energy renovation works. Unlike MaPrimeRenov', there are no income conditions — any homeowner can apply. The loan covers the portion of costs not covered by grants, making it the ideal complement to MaPrimeRenov' and CEE.
Up to 15,000 EUR for a single type of work, 25,000 EUR for two types, and 50,000 EUR for a comprehensive renovation (3+ work types or achieving a performance target).
Type: LOAN · Provider: Partner banks (via Societe Generale de Financement)
50,000 EUR for a comprehensive renovation (3+ types of works or achieving an energy performance target). For a single work type, the ceiling is 15,000 EUR. The repayment period can extend to 20 years.
Yes, and this is the recommended approach. Use MaPrimeRenov' + CEE grants to reduce the cost, then finance the remaining out-of-pocket amount with an Eco-PTZ at 0% interest.
Use the GreenCalc sandbox to calculate eligibility for Eco-PTZ (Zero-Interest Loan) in France:
Calculate subsidy eligibility for any EU renovation project with a single API call.
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