Support for Your Energy Project

Do you have a real estate project in mind? From Thursday, October 9 to Sunday, October 12, 2025, we’ll be at the National Housing Week (SNL) during the Home EXPO. For personalized support, and to save time, simulate your loan and book an appointment directly online: our experts are available to advise you. Simulate your mortgage online >

Got a project? We’ll help you finance it!

You don't need a magic wand for energy retrofitting

Want to renovate a property over 10 years old in Luxembourg? Choose the Climate Loan: a financing solution with a favorable interest rate, supported by a government interest subsidy.

See the climate Loan benefits

Condominium loans: you don’t need fairy dust to get your communal building work started

Are you a property manager? don’t hesitate to mention BGL BNP Paribas’s Co-ownership Loan to finance Co-ownership projects under your mandate.

Are you a homeowner? Use this loan for renovations or energy improvements to your residence.

See the Co-ownership Loan benefits

Renovating adds Long-Term Value to Your Home

How to finance your energy renovation projects?
Whether you're buying or renovating, you can combine bank loans with government subsidies. Learn why starting your energy transition now is worthwhile—and how to fund it.

Increase your property’s value

Energy renovation enhances the long-term value of your real estate.

Lower your energy bills

Optimized energy consumption means long-term savings.

Improve your comfort

Energy renovation improves your home’s overall performance.

Special Energy Advisory Offer with Actif Consulting

Planning to sell, rent, or renovate a property in Luxembourg? It’s essential to obtain an Energy Passport (CPE) or consult a certified energy advisor. This helps assess your property’s energy performance and enhance your project’s value.

Thanks to our partnership with the certified energy consultancy firm Actif, benefit from a full energy audit or expert advice.

From 09/10 to 31/12 2025, enjoy an exclusive 20% discount on an energy audit or consultation for your property.⁽¹⁾

Learn more about energy advice

Energy Renovation Loan: The ideal solution for cross-border workers

This loan covers energy renovation works—insulation, windows, heat pumps, solar panels—for amounts between EUR 1,000 and EUR 75,000.
Ideal for cross-border workers, it also suits owners of newer properties (under 10 years old) not eligible for Luxembourg state subsidies.

Unlike the Climate Loan, it does not benefit from government interest subsidies or public aid, but remains a flexible solution with preferential terms.

Learn more

To explore Further

Want to learn more about energy renovation in Luxembourg? A 2025 study by Toluna Harris Interactive and BNP Paribas⁽²⁾ explores public perceptions, beliefs, and barriers. Check out the study to understand current trends.

Discover what Luxembourgers think

Frequently Asked Questions

Is energy advice mandatory?

In some cases, energy advice is not mandatory—e.g., solar panels or boilers equipment. However, clients may still qualify for subsidies. Only works affecting the building’s external envelope require energy advice. Learn more >
Who is eligible for the energy renovation loan?

This loan is for individuals planning energy renovation works and seeking to borrow between EUR 1,000 and EUR 75,000 over a maximum of 10 years.

What’s the difference between a Climate Loan and an Energy Renovation Loan?

Climate Loan	Energy Renovation Loan
For energy works in homes over 10 years old	For all types of renovation, energy-related or not
Subsidized by the Luxembourg government	No specific public support
Requires a mortgage	Can be granted without collateral
Energy diagnosis (CPE) required	Energy diagnosis not mandatory

What is Klimabonus?

Klimabonus is a subsidy program from the Luxembourg government to encourage sustainable energy renovations. It covers part of the costs for works like insulation, heating, and renewable energy installations. It may also include interest subsidies for Climate Loans. The aid varies based on the type of work, energy performance, and property type.

(1) From 09/10 to 31/12 2025. Offer subject to terms and conditions and approval of your application by the bank.

(2) This study led by the BNP Paribas Group was conducted in February 2025 across seven European countries (Luxembourg, France, Belgium, Italy, Germany, Spain, Poland) and the United Kingdom, surveying 11,700 individuals, including 700 residents of the Grand Duchy interviewed by Toluna - Harris Interactive.

May be worth looking into…

Energy Performance Certificate (CPE)

Learn everything about this essential document for your real estate projects.

Learn more

Energy Renovation: Perceptions and Beliefs of Luxembourgers

Discover how Luxembourger’s view energy renovation, based on a unique study across seven European countries.

Learn more

Fixed, Variable, Adjustable Rates: Pros and Cons

Found your ideal home? Understand rate types to choose the best financing.

Learn more