Zero-interest Eco-loan (eco-PTZ)
Verified 01 January 2023 - Directorate for Legal and Administrative Information (Prime Minister)
The eco-PTZ is used to finance energy renovation works in a dwelling. It's paid by some banks. It's a loan interest-free of a maximum of €50,000. You can get it if you are owner, occupant or landlord of a dwelling built for more than 2 years located in metropolis or overseas. It is allocated unconditional resources. Your work must imperative be carried out by a company Recognized Guarantor of the Environment (EGR).
It exists 3 main categories of work concerned by the eco-PTZ:
- Renovation work punctual enabling your home to improve its energy performance (e.g. roof insulation, window and/or heating changes)
- Renovation work global allowing your home to reach a minimum energy performance
- Rehabilitation work on your facility non-collective sanitation by a device not consuming energy
Please note
since november 17, 2022, some banks have offered accumulate the eco-PTZ and MaPrimeRénov' for finance the rest of your work for which you have obtained MaPrimeRénov'.
To define the most useful and profitable work for your home, it is recommended hire a habitat renovation consultant to:
Who shall I contact
Specialist advisors on housing renovation works (France Rénov')
Allows you to be accompanied for free in its renovation work by specialized advisors of France Rénov'
By telephone
0 808 800 700
Open from Monday to Friday from 9am to 6pm. You must have your last tax notice.
Free service + cost of a call
This service is free.
One-off renovation
For this category of works, the maximum amount of the eco-PTZ is as follows:
- €7,000 for 1 working action on the glass walls
- €15,000 for 1 work of a different nature
- €25,000 for a batch of 2 work
- €30,000 for a batch of 3 work or more
Step-by-step approach
The nature of the work differs depending on whether you are in metropolis or overseas.
In the metropolis
To benefit from the eco-PTZ, your work must concern at least one of the following categories of work:
- Thermal insulation of the roof
- Thermal insulation of the exterior facing walls
- Thermal insulation of windows and doors facing the exterior
- Insulation of low floors
- Installation, regulation or replacement of heating or domestic hot water systems
- Installation of heating equipment using a renewable energy source
- Installation of domestic hot water equipment using a renewable energy source
FYI
it's usually more efficient to first insulate and ventilate your home, then settle efficient heating and hot water systems.
To define the most useful and profitable work for your home, it is recommended hire a habitat renovation consultant to:
Who shall I contact
Specialist advisors on housing renovation works (France Rénov')
Allows you to be accompanied for free in its renovation work by specialized advisors of France Rénov'
By telephone
0 808 800 700
Open from Monday to Friday from 9am to 6pm. You must have your last tax notice.
Free service + cost of a call
This service is free.
Overseas
To benefit from the eco-PTZ, your work must concern at least one of the following categories of work:
- Protection of roofs against solar radiation
- Protection of exterior facing walls against solar radiation over at least half of the total surface area of such walls
- High-performance thermal insulation of at least half of the glazed walls or work to protect the bays facing the outside against solar radiation, on at least half of the bays and on condition that the materials used replace single-glazed walls, possibly associated with the installation of fixed air mixers
- Heating systems, possibly combined with economical and efficient ventilation systems, or efficient domestic hot water production systems
- Installation of heating equipment using a renewable energy source
- Installation of domestic hot water equipment using a renewable energy source
- Insulation of low floors
For more information, the Ministry of Ecology provides a presentation of the technical characteristics of the work.
FYI
it's usually more efficient to first insulate and ventilate your home, then settle efficient heating and hot water systems.
To define the most useful and profitable work for your home, it is recommended hire a habitat renovation consultant to:
Who shall I contact
Specialist advisors on housing renovation works (France Rénov')
Allows you to be accompanied for free in its renovation work by specialized advisors of France Rénov'
By telephone
0 808 800 700
Open from Monday to Friday from 9am to 6pm. You must have your last tax notice.
Free service + cost of a call
This service is free.
You must be:
- Either owner-occupier or lessor
- Either co-owner occupant or lessor to finance the share of works of collective interest carried out on private parts or work on common areas and common facilities of the building
Your home must have been built for more than 2 years on the date of commencement of the works.
You or the persons intended to occupy the accommodation (where the accommodation is rented or made available free of charge) must occupy the accommodation as principal residence.
FYI
the eco-PTZ is awarded unconditional resources.
Your work must be carried out by a company Recognized Guarantor of the Environment (EGR).
The search for an EGR company can be done from an online service:
Search for a company with the quality "Recognized Guarantor of the Environment"
Only banks that have signed an agreement with the state can offer the eco-PTZ. You can consult the list of banks currently affected by this scheme.
You will need to inquire at one of these establishments.
Once the choice of work has been defined, you must go to a bank with your application file for eco-PTZ (completed Borrower and Company forms).
The forms differ depending on whether you are in mainland France or overseas.
In the metropolis
2 forms are to be filled in:
Individual Eco-PTZ: Borrower form
Individual Eco-PTZ: Company form completion of one or more actions
In support of your application, you must provide all of the following:
- Proof of use of the dwelling as a principal residence (if the dwelling is not yet your principal residence, it must become so within 6 months of the date of completion of the work)
- Last Tax Notice
- Description of the work, including the estimated amount of the work, signed by each company, and all associated detailed estimates
Overseas
2 forms are to be filled in:
Individual Eco-PTZ: Borrower form
Eco-PTZ individual Overseas: Company form implementation of one or more energy renovation actions
In support of your application, you must provide all of the following:
- Proof of use of the dwelling as a principal residence (if the dwelling is not yet your principal residence, it must become so within 6 months of the date of completion of the work)
- Last Tax Notice
- Description of the work, including the estimated amount of the work, signed by each company, and all associated detailed estimates
Your file will be reviewed by the bank. The bank will decide, as with any loan request, to lend you the amount requested based on your previous indebtedness and your ability to repay.
The payment of the eco-PTZ can be made in one single installment on the basis of the description and detailed specifications of the work envisaged.
It can also be done in several installments on the basis of the completed works invoices sent progressively up to the closing date of the eco-PTZ.
No payment may be made after a period of 3 months following that date.
Until December 31, 2023, if you have already received an eco-PTZ for less than €30,000, you can request an additional eco-PTZ. This additional eco-PTZ is to be used to finance further work on the same dwelling. This work must fall into at least one of the following categories:
- Thermal insulation of the roof
- Thermal insulation of the exterior facing walls
- Thermal insulation of windows and doors facing the exterior
- Insulation of low floors
- Installation, regulation or replacement of heating or domestic hot water systems
- Installation of heating equipment using a renewable energy source
- Installation of domestic hot water equipment using a renewable energy source
Warning
the sum of the 2 eco-PTZs shall not exceed €30,000.
The request for additional eco-PTZ must be made within 5 years of the decision of the bank granting you the 1er eco-PTZ.
The request for an additional eco-PTZ must be made under the same conditions as for the 1er eco-PTZ.
In addition, you can accumulate the eco-PTZ with the following aids:
- Anah's help and support from local and regional authorities
- Energy saving certificate (EEC)
- PTZ for home ownership
You can use a simulator to find out and estimate the amount of financial assistance you can receive to renovate your home:
The work must be completed in full within 3 years of the decision of the bank granting you the eco-PTZ.
However, a request for an extension of the time limit for carrying out the work may be submitted to the bank in one of the following four cases:
- Force majeure
- Illness or accident resulting in temporary incapacity for work of at least 3 months
- Contentious procedure related to the implementation of the operation
- Recognition of a natural or technological disaster
Répondez aux questions successives et les réponses s’afficheront automatiquement
Force majeure
You must attach to your request for an extension of time any document justifying a case of force majeure.
Sickness, accident
You must attach a work stoppage or medical certificate to your request for an extension of time.
Contentious procedure linked to the execution of the works
You must attach one of the following documents to your request for an extension:
- Act or evidence of an administrative or judicial appeal
- Administrative or judicial decision or act affecting the time taken to complete the works (building permit, for example)
- Extract from Bodacc: titleContent in the event of winding-up proceedings or judicial redress
- Minutes of a Commissioner of Justice (former bailiff and judicial auctioneer) at the request of the court finding the malpractice or the incompletion of the work
- Forensic report
- Formal notice addressed to the trader carrying out the delivery of the works within the time limits laid down in the contract
Natural or technological disaster
You must attach to your request for an extension of time the decree recognizing the state of natural or technological disaster mentioning the municipality concerned by your work. The order is published on the website of the Official Journal.
You must repay the loan in a maximum 15 years.
FYI
as long as the eco-PTZ is not fully refunded, your accommodation cannot be converted into commercial or professional premises or put into seasonal rental or used as a secondary residence. Failure to comply with those obligations shall result in the full repayment of the outstanding capital.
You must provide the bank, within 3 years of the decision granting you the eco-PTZ, with all the evidence that the work has been carried out.
Where the nature of the eligible work, its amount or the company carrying out the work differs from that planned, new Company forms must be provided.
Comprehensive renovation
For this category of works, the maximum amount of the eco-PTZ is €50,000.
Step-by-step approach
The nature of the work differs depending on whether you are in mainland France or overseas.
In the metropolis
To benefit from the eco-PTZ, the work done in your home must improve its overall energy performance.
You must first have an energy audit carried out by an architect or a design office suitably qualified.
This audit calculates the current energy consumption of your home and recommends a series of works to improve its overall energy performance.
The work undertaken as a result of this energy audit must enable your home to achieve the following objectives:
- Conventional annual consumption of less than 331 kWh/m² of primary energy for heating, cooling and hot water applications
- An energy gain of at least 35% compared with the annual conventional consumption of primary energy before works for heating, cooling and hot water
Please note
the energy audit should not be confused with the energy performance diagnostics (EDP), which does not incorporate a consumption projection after work.
To define the most useful and profitable work for your home, it is recommended hire a habitat renovation consultant to:
Who shall I contact
Specialist advisors on housing renovation works (France Rénov')
Allows you to be accompanied for free in its renovation work by specialized advisors of France Rénov'
By telephone
0 808 800 700
Open from Monday to Friday from 9am to 6pm. You must have your last tax notice.
Free service + cost of a call
This service is free.
Overseas
To benefit from the eco-PTZ, your work must respect certain characteristics.
To define the most useful and profitable work for your home, it is recommended hire a habitat renovation consultant to:
Who shall I contact
Specialist advisors on housing renovation works (France Rénov')
Allows you to be accompanied for free in its renovation work by specialized advisors of France Rénov'
By telephone
0 808 800 700
Open from Monday to Friday from 9am to 6pm. You must have your last tax notice.
Free service + cost of a call
This service is free.
You must be:
- Either owner-occupier or lessor
- Either co-owner occupant or lessor to finance the share of works of collective interest carried out on private parts or work on common areas and common facilities of the building
Your home must have been built for more than 2 years on the date of commencement of the works.
You or the persons intended to occupy the accommodation (where the accommodation is rented or made available free of charge) must occupy the accommodation as principal residence.
FYI
the eco-PTZ is awarded unconditional resources.
Your work must be carried out by a company Recognized Guarantor of the Environment (EGR).
The search for an EGR company can be done from an online service:
Search for a company with the quality "Recognized Guarantor of the Environment"
Only banks that have signed an agreement with the state can offer the eco-PTZ. You can consult the list of banks currently affected by this scheme.
You will need to inquire at one of these establishments.
Once the choice of work has been defined, you must go to a bank with your application file for eco-PTZ (completed Borrower and Company forms).
The forms differ depending on whether you are in mainland France or overseas.
In the metropolis
2 forms are to be filled in:
Individual Eco-PTZ: Borrower form
Individual Eco-PTZ: Global Performance Company form
In support of your application, you must provide all of the following:
- Proof of use of the dwelling as a principal residence (if the dwelling is not yet your principal residence, it must become so within 6 months of the date of completion of the work)
- Last Tax Notice
- Description of the work, including the estimated amount of the work, signed by each company, and all associated detailed estimates
Overseas
2 forms are to be filled in:
Individual Eco-PTZ: Borrower form
In support of your application, you must provide all of the following:
- Proof of use of the dwelling as a principal residence (if the dwelling is not yet your principal residence, it must become so within 6 months of the date of completion of the work)
- Last Tax Notice
- Description of the work, including the estimated amount of the work, signed by each company, and all associated detailed estimates
Your file will be reviewed by the bank. The bank will decide, as with any loan request, to lend you the amount requested based on your previous indebtedness and your ability to repay.
The payment of the eco-PTZ can be made in one single installment on the basis of the description and detailed specifications of the work envisaged.
It can also be done in several installments on the basis of the completed works invoices sent progressively up to the closing date of the eco-PTZ.
No payment may be made after a period of 3 months following that date.
Until December 31, 2023, if you have already received an eco-PTZ for less than €50,000, you can request an additional eco-PTZ.
Warning
the sum of the 2 eco-PTZs shall not exceed €50,000.
The request for additional eco-PTZ must be made within 5 years of the decision of the bank granting you the 1er eco-PTZ.
The request for an additional eco-PTZ must be made under the same conditions as for the 1er eco-PTZ.
In addition, you can accumulate the eco-PTZ with the following aids:
- Anah's help and support from local and regional authorities
- Energy saving certificate (EEC)
- PTZ for home ownership
You can use a simulator to find out and estimate the amount of financial assistance you can receive to renovate your home:
The work must be completed in full within 3 years of the decision of the bank granting you the eco-PTZ.
However, a request for an extension of the time limit for carrying out the work may be submitted to the bank in one of the following four cases:
- Force majeure
- Illness or accident resulting in temporary incapacity for work of at least 3 months
- Contentious procedure related to the implementation of the operation
- Recognition of a natural or technological disaster
Répondez aux questions successives et les réponses s’afficheront automatiquement
Force majeure
You must attach to your request for an extension of time any document justifying a case of force majeure.
Sickness, accident
You must attach a work stoppage or medical certificate to your request for an extension of time.
Contentious procedure linked to the execution of the works
You must attach one of the following documents to your request for an extension:
- Act or evidence of an administrative or judicial appeal
- Administrative or judicial decision or act affecting the time taken to complete the works (building permit, for example)
- Extract from Bodacc: titleContent in the event of winding-up proceedings or judicial redress
- Minutes of a Commissioner of Justice (former bailiff and judicial auctioneer) at the request of the court finding the malpractice or the incompletion of the work
- Forensic report
- Formal notice addressed to the trader carrying out the delivery of the works within the time limits laid down in the contract
Natural or technological disaster
You must attach to your request for an extension of time the decree recognizing the state of natural or technological disaster mentioning the municipality concerned by your work. The order is published on the website of the Official Journal.
You must repay the loan in a maximum period of 20 years.
FYI
as long as the eco-PTZ is not fully refunded, your accommodation cannot be converted into commercial or professional premises or put into seasonal rental or used as a secondary residence. Failure to comply with those obligations shall result in the full repayment of the outstanding capital.
You must provide the bank, within 3 years of the decision granting you the eco-PTZ, with all the evidence that the work has been carried out.
Where the nature of the eligible work, its amount or the company carrying out the work differs from that planned, new Company forms must be provided.
Sanitation
For this category of works, the maximum amount of the eco-PTZ is €10,000.
Step-by-step approach
To benefit from the eco-PTZ in mainland France or overseas, your work must make it possible to rehabilitate your non-collective sanitation system.
The new non-communal sewerage system must not consume energy. It must comply with specific technical requirements.
To define the most useful and profitable work for your home, it is recommended hire a habitat renovation consultant to:
Who shall I contact
Specialist advisors on housing renovation works (France Rénov')
Allows you to be accompanied for free in its renovation work by specialized advisors of France Rénov'
By telephone
0 808 800 700
Open from Monday to Friday from 9am to 6pm. You must have your last tax notice.
Free service + cost of a call
This service is free.
You must be:
- Either owner-occupier or lessor
- Either co-owner occupant or lessor to finance the share of works of collective interest carried out on private parts or work on common areas and common facilities of the building
Your home must have been built for more than 2 years on the date of commencement of the works.
You or the persons intended to occupy the accommodation (where the accommodation is rented or made available free of charge) must occupy the accommodation as principal residence.
FYI
the eco-PTZ is awarded unconditional resources.
Your work must be carried out by a company Recognized Guarantor of the Environment (EGR).
The search for an EGR company can be done from an online service:
Search for a company with the quality "Recognized Guarantor of the Environment"
Only banks that have signed an agreement with the state can offer the eco-PTZ. You can consult the list of banks currently affected by this scheme.
You will need to inquire at one of these establishments.
Once the choice of work has been defined, you must go to a bank with your application file for eco-PTZ (completed Borrower and Company forms).
Whether you are in mainland France or overseas, your eco-PTZ application must include the following 2 forms:
Individual Eco-PTZ: Borrower form
Individual Eco-PTZ: Company Sanitation Form
In support of your application, you must provide all of the following:
- Proof of use of the dwelling as a principal residence (if the dwelling is not yet your principal residence, it must become so within 6 months of the date of completion of the work)
- Last Tax Notice
- Description of the work, including the estimated amount of the work, signed by each company, and all associated detailed estimates
Your file will be reviewed by the bank. The bank will decide, as with any loan request, to lend you the amount requested based on your previous indebtedness and your ability to repay.
The payment of the eco-PTZ can be made in one single installment on the basis of the description and detailed specifications of the work envisaged.
It can also be done in several installments on the basis of the completed works invoices sent progressively up to the closing date of the eco-PTZ.
No payment may be made after a period of 3 months following that date.
You can accumulate the eco-PTZ with the following aids:
- Anah's help and support from local and regional authorities
- Energy saving certificate (EEC)
- PTZ for home ownership
You can use a simulator to find out and estimate the amount of financial assistance you can receive to renovate your home:
The work must be completed in full within 3 years of the decision of the bank granting you the eco-PTZ.
However, a request for an extension of the time limit for carrying out the work may be submitted to the bank in one of the following four cases:
- Force majeure
- Illness or accident resulting in temporary incapacity for work of at least 3 months
- Contentious procedure related to the implementation of the operation
- Recognition of a natural or technological disaster
Répondez aux questions successives et les réponses s’afficheront automatiquement
Force majeure
You must attach to your request for an extension of time any document justifying a case of force majeure.
Sickness, accident
You must attach a work stoppage or medical certificate to your request for an extension of time.
Contentious procedure linked to the execution of the works
You must attach one of the following documents to your request for an extension:
- Act or evidence of an administrative or judicial appeal
- Administrative or judicial decision or act affecting the time taken to complete the works (building permit, for example)
- Extract from Bodacc: titleContent in the event of winding-up proceedings or judicial redress
- Minutes of a Commissioner of Justice (former bailiff and judicial auctioneer) at the request of the court finding the malpractice or the incompletion of the work
- Forensic report
- Formal notice addressed to the trader carrying out the delivery of the works within the time limits laid down in the contract
Natural or technological disaster
You must attach to your request for an extension of time the decree recognizing the state of natural or technological disaster mentioning the municipality concerned by your work. The order is published on the website of the Official Journal.
You must repay the loan in a maximum 15 years.
FYI
as long as the eco-PTZ is not fully refunded, your accommodation cannot be converted into commercial or professional premises or put into seasonal rental or used as a secondary residence. Failure to comply with those obligations shall result in the full repayment of the outstanding capital.
You must provide the bank, within 3 years of the decision granting you the eco-PTZ, with all the evidence that the work has been carried out.
Where the nature of the eligible work, its amount or the company carrying out the work differs from that planned, new Company forms must be provided.
Who can help me?
Find who can answer your questions in your region
Specialist advisors on housing renovation works (France Rénov')
Allows you to be accompanied for free in its renovation work by specialized advisors of France Rénov'
By telephone
0 808 800 700
Open from Monday to Friday from 9am to 6pm. You must have your last tax notice.
Free service + cost of a call
- Construction and housing code: articles D319-1 to D319-51Characteristics and conditions of award
- General Tax Code: Article 244c UAmounts
- Order of 30 March 2009 on interest-free repayable advances for the financing of renovation worksDetails, relevant jobs and access to forms
- Individual Eco-PTZ: Borrower form
Form
- Individual Eco-PTZ: Company form completion of one or more actions
Form
- Individual Eco-PTZ: Global Performance Company form
Form
- Individual Eco-PTZ: Company Sanitation Form
Form
- Eco-PTZ individual Overseas: Company form implementation of one or more energy renovation actions
Form
- Prime energy "MaPrimeRénov’" Service-Public.fr
- Zero interest rate loan (PTZ)Service-Public.fr
- France Rénov': the public service guides you in your energy renovation workNational Housing Agency (Anah)
- Access to all forms Eco-Loan at Zero Rate (eco-PTZ)Ministry of Housing
- Zero-interest eco-loan dossierMinistry of Housing
- Qualifications required for energy study auditorsDirectorate of Legal and Administrative Information (Dila) - Prime Minister
- Banks affected by the eco-PTZBusiness for managing financing and guaranteeing social home ownership (SGFGAS)
- Technical characteristics of energy renovation works (Insulation...) (PDF - 585.2 KB)Ministry of Housing
- Technical characteristics of the work overall performanceDirectorate of Legal and Administrative Information (Dila) - Prime Minister
- Technical requirements for certain non-collective sewage worksDirectorate of Legal and Administrative Information (Dila) - Prime Minister
