The eco-PTZ applied for shall be used to finance the energy renovation works for which a right has been granted to MaPrimeRenovate'.

To help you in your process, you can free to call on a specialist adviser in the course of housing renovation work:

You must be owner-occupier or lessor.

The work must be carried out in a dwelling for principal residence.

If the accommodation is rented out, it must be rented out within 6 months following completion of the work.

The eco-PTZ is offered by credit institutions, financing businesses and third-party financing businesses that have signed an agreement with the government.

The list of establishments and businesses is available currently affected by the scheme.

To benefit from the eco-PTZ, you only need to send to the chosen establishment the decision to grant MaPrimeRénov' issued by theAnah: titleContent.

The amount of the eco-PTZ paid in addition to MaPrimeRénov' cannot exceed the difference between:

• The amount TTC: titleContent of work eligible for MaPrimeRenovo'
• And the sum of the amount of MaPrimeRénov' actually paid, after deduction of other cumulative aid (e.g. energy saving certificates, aid for work by local authorities).

This amount is calculated by the Anah.

The amount of the eco-PTZ granted corresponds to the charge displayed on the notification of grant of aid by the Anah, up to  €50,000.

The eco-PTZ may be combined with the following aid:

• Other aid from Anah
• Support from local and regional authorities
• Energy saving certificate (EEC)
• PTZ for home ownership.

You can use a simulator to find out what financial assistance you can receive to renovate your home:

Search for aids for the renovation of housing

The deadline to repay the eco-PTZ is 20 years. This period may be shorter if requested.

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 justify that your work has actually been carried out, in accordance with the description and the estimate, within 3 years of the award of the eco-PTZ.

To do this, you must send the credit institution or the business financing your eco-PTZ the notification of the payment of MaPrimeRénov' sent by the Anah.

The time limit 3 years old does not have to be respected in any of the following cases:

• Death
• Health accident involving temporary interruption of work of at least 3 months
• Recognition of a natural or technological disaster
• Force majeure
• Contentious challenge to the operation.