LED bulbs use 75% less energy than incandescent bulbs — DOE
    Turning off lights when leaving saves $30-50/year per household — ENERGY STAR
    Standby power ('vampire load') can account for 5-10% of home energy use — DOE
    ENERGY STAR certified TVs use 25% less energy than standard models
    Programmable thermostats can save about 10% on heating/cooling — DOE
    Sealing air leaks can save 10-20% on heating and cooling costs — ENERGY STAR
    Heat pumps can reduce heating energy use by 50% vs. electric resistance — DOE
    Ceiling fans allow you to raise AC settings 4°F with no comfort loss — DOE
    Heating water accounts for about 18% of home energy use — DOE
    Low-flow showerheads save 2,700 gallons/year for a family of four — EPA
    Washing clothes in cold water can save $60+/year on water heating — ENERGY STAR
    Fixing a leaky faucet can save 3,000+ gallons/year — EPA
    ENERGY STAR refrigerators use 9% less energy than standard models
    Clean refrigerator coils annually for optimal efficiency — DOE
    Air-drying dishes instead of heat-dry saves 15-50% on dishwasher energy — DOE
    Proper attic insulation can cut heating/cooling costs by 15% — ENERGY STAR
    Windows can account for 25-30% of home heating/cooling energy use — DOE
    Window film can reduce solar heat gain by up to 70% — DOE
    Average US home solar system offsets 3-4 tons of CO₂ annually — EPA
    Solar panel costs have dropped 70%+ over the past decade — SEIA
    EVs cost about 60% less to fuel than gas vehicles — DOE
    Proper tire inflation improves gas mileage by 0.6% on average — DOE
    The average US household spends $2,000+/year on energy — EIA
    ENERGY STAR products have saved Americans $500 billion on energy bills
    LED bulbs use 75% less energy than incandescent bulbs — DOE
    Turning off lights when leaving saves $30-50/year per household — ENERGY STAR
    Standby power ('vampire load') can account for 5-10% of home energy use — DOE
    ENERGY STAR certified TVs use 25% less energy than standard models
    Programmable thermostats can save about 10% on heating/cooling — DOE
    Sealing air leaks can save 10-20% on heating and cooling costs — ENERGY STAR
    Heat pumps can reduce heating energy use by 50% vs. electric resistance — DOE
    Ceiling fans allow you to raise AC settings 4°F with no comfort loss — DOE
    Heating water accounts for about 18% of home energy use — DOE
    Low-flow showerheads save 2,700 gallons/year for a family of four — EPA
    Washing clothes in cold water can save $60+/year on water heating — ENERGY STAR
    Fixing a leaky faucet can save 3,000+ gallons/year — EPA
    ENERGY STAR refrigerators use 9% less energy than standard models
    Clean refrigerator coils annually for optimal efficiency — DOE
    Air-drying dishes instead of heat-dry saves 15-50% on dishwasher energy — DOE
    Proper attic insulation can cut heating/cooling costs by 15% — ENERGY STAR
    Windows can account for 25-30% of home heating/cooling energy use — DOE
    Window film can reduce solar heat gain by up to 70% — DOE
    Average US home solar system offsets 3-4 tons of CO₂ annually — EPA
    Solar panel costs have dropped 70%+ over the past decade — SEIA
    EVs cost about 60% less to fuel than gas vehicles — DOE
    Proper tire inflation improves gas mileage by 0.6% on average — DOE
    The average US household spends $2,000+/year on energy — EIA
    ENERGY STAR products have saved Americans $500 billion on energy bills
    LED bulbs use 75% less energy than incandescent bulbs — DOE
    Turning off lights when leaving saves $30-50/year per household — ENERGY STAR
    Standby power ('vampire load') can account for 5-10% of home energy use — DOE
    ENERGY STAR certified TVs use 25% less energy than standard models
    Programmable thermostats can save about 10% on heating/cooling — DOE
    Sealing air leaks can save 10-20% on heating and cooling costs — ENERGY STAR
    Heat pumps can reduce heating energy use by 50% vs. electric resistance — DOE
    Ceiling fans allow you to raise AC settings 4°F with no comfort loss — DOE
    Heating water accounts for about 18% of home energy use — DOE
    Low-flow showerheads save 2,700 gallons/year for a family of four — EPA
    Washing clothes in cold water can save $60+/year on water heating — ENERGY STAR
    Fixing a leaky faucet can save 3,000+ gallons/year — EPA
    ENERGY STAR refrigerators use 9% less energy than standard models
    Clean refrigerator coils annually for optimal efficiency — DOE
    Air-drying dishes instead of heat-dry saves 15-50% on dishwasher energy — DOE
    Proper attic insulation can cut heating/cooling costs by 15% — ENERGY STAR
    Windows can account for 25-30% of home heating/cooling energy use — DOE
    Window film can reduce solar heat gain by up to 70% — DOE
    Average US home solar system offsets 3-4 tons of CO₂ annually — EPA
    Solar panel costs have dropped 70%+ over the past decade — SEIA
    EVs cost about 60% less to fuel than gas vehicles — DOE
    Proper tire inflation improves gas mileage by 0.6% on average — DOE
    The average US household spends $2,000+/year on energy — EIA
    ENERGY STAR products have saved Americans $500 billion on energy bills
    Active
    France
    General

    Éco-Prêt à Taux Zéro (Éco-PTZ) (France)

    Interest-free government-backed loans to finance thermal insulation and renewable energy projects in France.

    Available Amount

    Up to €50,000 interest-free

    Start Date

    Ongoing

    End Date

    December 31, 2027

    Eligibility

    French owner-occupiers or landlords renting out primary residences.

    Eligible Upgrades & Scope

    Roof insulationWall insulationDouble glazingHeat pump space/water heating

    Policy Context & Overview

    Short Answer: Éco-PTZ allows French homeowners to access interest-free funding from participating commercial banks to execute home efficiency upgrades.

    The Éco-Prêt à Taux Zéro (Éco-PTZ) is a government-backed interest-free green loan program in France. Designed to support the transition of residential buildings to low-carbon heating and insulation, the scheme allows property owners to borrow up to €50,000 to finance home improvements without paying any interest. The interest costs are fully subsidized by the French state, and the loans are issued through major participating commercial banks.

    Loan Limits & Work Packages

    The maximum amount you can borrow depends on the scope of the energy efficiency works:

    Renovation Scope Maximum Loan Value Maximum Repayment Term
    Single Measure (e.g., roof insulation only) €15,000 15 Years
    Two Measures (e.g., insulation + heat pump) €25,000 15 Years
    Three or More Measures (Multi-measure package) €30,000 15 Years
    Deep Retrofit (achieving minimum 35% energy savings) €50,000 20 Years

    Eligibility Criteria

    • Property Type: The loan must be used on a residential property in France that is at least 2 years old and serves as the borrower's primary residence (or is rented out as a primary residence).
    • Installer Certification: All renovation works must be completed by RGE-certified (Reconnu Garant de l'Environnement) contractors.
    • No Means Test: Unlike MaPrimeRénov' grants, Éco-PTZ has no household income limits; any eligible property owner can apply.

    Step-by-Step Application Guide

    1. Identify Renovation Needs: Get detailed quotes for insulation, window replacement, or heat pump installations from RGE contractors.
    2. Complete Bank Forms: Ask your RGE contractors to complete the official Éco-PTZ technical declaration form (Formulaire Emprunteur).
    3. Apply at Commercial Bank: Submit the signed forms, contractor quotes, property records, and your financial details to a participating bank (e.g., Crédit Agricole, BNP Paribas, Société Générale).
    4. Funds Released: Upon approval, the bank issues the loan contract and releases the funds.
    5. Confirm Construction: You have 3 years from the loan approval date to complete the works and submit the final invoices to the bank.

    Frequently Asked Questions

    • Q: Can landlords apply for an Éco-PTZ?
      • A: Yes. Landlords can borrow up to €50,000 interest-free, provided the property is rented out as a primary residence and they commit to using RGE-certified contractors.
    • Q: What happens if the works are not completed within 3 years?
      • A: If you fail to submit proof of completed works within the 3-year window, the bank is legally required to cancel the interest subsidy, converting the balance into a standard interest-bearing consumer loan.

    Ready to Apply?

    Visit the official program website to check your eligibility, find application forms, and get the most up-to-date information.

    Visit Official Program Site

    Other Programs You May Qualify For

    Active

    MaPrimeRénov'

    The main French state aid for energy renovation, adapted to household income.

    Up to €70,000 for systemic renovation

    Active

    MaPrimeRénov' Sérénité (France)

    Special high-rate renovation grants for low-income French households aiming for deep energy efficiency gains.

    Up to 50% of project cost (max €17,500)