Our financing
Home-improvement loan
Finance a renovation, including energy-saving works.
The home-improvement loan finances upgrading your home, from a refresh to an energy renovation. It can top up public grants.
- Amounts
- from €1,500 to €75,000
- Terms
- from 12 to 180 months
Indicative rates by term
| Term | Fixed rate |
|---|---|
| 24 months | 4.50% |
| 84 months | 5.50% |
| 180 months | 7.50% |
Indicative rates, non-binding, subject to change and to review of your file.
Estimate this financing
The capital you wish to borrow.
A longer term lowers the monthly payment but raises the total cost.
Indicative annual nominal rate for the estimate.
A down payment reduces the financed amount.
Your estimate
Monthly payment
€359.25Estimated monthly payment: €359.25
- Indicative APR
- 5.64%
- Total cost of credit
- €5,177.10
- Financed amount
- €25,000.00
- Capital€25,000.00
- Interest€5,177.10
Indicative, non-binding estimate, excluding insurance and any fees, subject to review and acceptance of your file. The final APR will appear on your contract offer.
Representative example
- Amount borrowed
- €25,000.00
- Term
- 84 months
- Fixed borrowing rate
- 5.50%
- Fixed APR
- 5.64%
- Monthly payment
- €359.25
- Total cost of credit
- €5,177.10
- Total amount payable
- €30,177.10
Representative example, excluding optional insurance. A loan commits you and must be repaid. Check your ability to repay before committing.
Eligibility conditions
Accessible if…
- Owner-occupier or landlord
- Energy renovation eligible for grants
- Steady income, even modest, with quotes to support it
Not suitable if…
- Works without a quote or proof of use
- Repayment capacity already maxed out
Documents to provide
- ID
- Detailed works quotes
- Recent proof of address
- Last two tax notices
Worked example
Energy renovation
€25,000 over 84 months for insulation and a heat pump, on top of grants.
Frequently asked questions
Can I combine it with a public renovation grant?
Yes. The home-improvement loan tops up grants; the amounts received are not part of the credit.
Are the funds paid out at once?
Depending on the works, a staged release against invoices is possible.
Do I have to be an owner?
Usually yes, but a tenant doing works with the owner's consent can be studied.