Financing energy renovation works with the interest-free advance transfer loan

The 2025 budget created an interest-free, mutation-based loan facility. It is a means-tested mortgage loan issued by a credit institution, financing business or third-party financing business that has entered into a partnership with the government. The interest is paid by the State during the first 10 years of the loan.

The loan is based on the mortgage guarantee for the dwelling to which the energy renovation project relates. It must be a private dwelling occupied as a principal residence.

Who is eligible?

This loan is intended for households in the "modest" and "very modest" resource categories established by the National Housing Agency (Anah), provided that the whole project is financially possible.

The resource ceilings are based on the number of people in the household and the location of the dwelling. For 2025, the ceilings have been updated by a order of 23 december 2024.

Characteristics of the loan advance transfer

They are:

• it is intended for homeowners occupying their dwelling as their principal residence;
• it is intended to cover energy renovation works;
• housing must have been completed for at least 2 years;
• the maximum amount of the loan shall be €50,000 ;
• the first 10 years of the loan are at zero interest rate (the State pays the interest during this period); thereafter, an interest rate is set freely by the lending institution;
• the loan is based on a mortgage guarantee on the value of the property;
• the work must be carried out within three years of the loan being granted;
• the refund is payable only upon transfer of the property, i.e. the sale or the estate.

What work can you finance with this loan?

The transfer advance loan can be used to finance several types of renovation work.

1/ Renovations involving the implementation of at least one action in the following list: thermal insulation of roofs; thermal insulation of walls facing the exterior; thermal insulation of glass walls and doors facing the exterior; installation, regulation or replacement of heating systems or domestic hot water production systems; installation of heating equipment using a renewable energy source; insulation of low floors.

2/ Comprehensive renovations combining a set of works and making it possible to achieve minimum energy performance.

3/ Rehabilitation of non-communal sewerage facilities with a non-energy-consuming device.

Loan amounts are capped according to the type of work to be financed. At the time of the loan request, you will have to send the detailed description of the work to be done and the specifications.