Zero-rate eco-loan (Éco-PTZ)
An interest-free loan to fund energy-efficiency renovation works in a primary residence. The amount depends on the scope and type of works (a bundle of eligible works or achievement of an overall energy performance level). It can be combined with the PTZ and has had no income cap since 2019. Brokers frequently include it in the financing plan to avoid increasing the debt ratio.
Key points
- No income cap since 2019; open to all owner-occupiers.
- Can be combined with the PTZ and other aids such as MaPrimeRénov'.
- Maximum amount depends on the type and scope of the work bundle.
- Available through banks that have signed an agreement with the government.
Frequently asked questions
Which works are eligible for the eco-PTZ?
Eligible works include thermal insulation (roof, walls, floors, windows), replacement of heating or hot-water systems with high-performance equipment, and works that achieve an overall energy performance level. They must be carried out by companies certified RGE (Recognised Environmental Guarantor).
How does the broker integrate the eco-PTZ into an overall financing plan?
Since the eco-PTZ carries no interest, it reduces the total cost of renovation financing. The broker positions it alongside the standard works loan, reducing the main bank loan amount and thus the debt ratio. They coordinate the bank issuing the eco-PTZ with the acquisition bank if they are different institutions.
What is the maximum repayment period for an eco-PTZ?
The maximum repayment period is twenty years for the most ambitious works targeting overall energy performance, and fifteen years for a standard bundle of works. This long duration keeps monthly payments low and allows the loan to be included without excessively increasing the debt ratio.
In practice
A homeowner wants to insulate their loft and replace an oil boiler with a heat pump. Total quote: €22,000. They obtain a €20,000 eco-PTZ at zero rate over 15 years, reducing the standard bank loan to just €2,000.
Official sources
- The zero-rate loan (PTZ) · Service-Public.gouv.fr
- Obtaining a mortgage loan · Service-Public.gouv.fr
- Mortgage credit (official guide) · Service-Public.gouv.fr