From the 1stis Next July, The terms of the zero-rate eco-loan (Eco-PTZ) evolve ! The work eligible for the eco-PTZ must be carried out while respecting the same rules as those financed by Maprimerénov ‘. In addition, the energy audit becomes compulsory to access this aid in the context of global renovation work.
Borrowed rate recorded on 06/26/2025
What is the zero-rate eco-loan?
Unlike zero rate loan, this device only allows finance the completion of energy improvement work within accommodation. This interest -free loan can notably be used to finance the rest at the expense after taking into account the amount of Maprimerenov ‘aid.
Alignment of the terms of the eco-ptz and maprimerenov ‘
The 1is July 2025, the conditions of eligibility of the eco-PTZ and Maprimerenov ‘align In order to facilitate access to both aids For eligible people. The works, whose terms are evolving next month, concern:
- Thermal insulation of the walls overlooking the outside;
- thermal insulation of the glass walls;
- installation of heating equipment;
- The installation of domestic hot water production equipment using a renewable energy source.
Prove the gain of two energy classes on the DPE
For a global renovation, you must carry out an energy audit before making the eco-PTZ request, it becomes compulsory from 1e July.
The goal is to demonstrate that the work project allows the gain of at least two energy classes on the energy performance diagnosis (DPE).
As a reminder, from the 1is January, it is prohibited to rent a property whose DPE is lower than G, the aim being to push the owners to carry out energy renovation in their accommodation.
However, the maximum amount and duration of reimbursement of the eco-PTZ remains unchanged. The loan cannot exceed € 50,000 for a reimbursement over 20 years.
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from 2,65% over 15 years old(1)
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