Would you like to carry out energy retrofitting work on your home ? Discover the energy retrofitting loan – the personal loan with preferential terms designed especially for this kind of project.
Are you planning to buy a primary residence in Luxembourg?
From 1 October 2026 to 31 October 2026, BGL BNP Paribas supports your project and offers a dedicated package for a new mortgage loan application(*):
This offer also applies to climate loans and renovation loans to support your sustainable projects. Speak to your advisor for more information.
Enjoy exclusive benefits as a new customer too!
Until 31 October 2026, when you open a Pack online, receive 12 months of free account maintenance fees and EUR 100 as a welcome bonus(**).
Welcome to BGL BNP Paribas!
The energy retrofitting loan from BGL BNP Paribas is a personal loan with preferential terms that can be used for a green renovation.
It is aimed at individuals who :
Eligible projects are those that improve the energy performance of your dwelling, such as :
Opting for a loan allows you to spread costs out over time and hold on to your savings for surprise expenses.
The energy retrofitting loan offers :
You would like to borrow up to €100,000 over the medium term. Benefit from the interest subsidy on climate loans.
Before securing an energy retrofitting loan, you will need to identify top-priority projects.
Enlist the services of multiple construction firms to estimate the cost of the works. Get quotes from several builders to compare prices. This way, you’ll be able to calculate a budget for the energy retrofitting of your house or flat.
Once these steps are complete, get in touch with your bank. Our advisers will examine your application, analyse the quotes and offer you a loan for your energy retrofitting work, tailored to your personal situation.
If BGL BNP Paribas accepts your application, we will schedule a meeting at your preferred branch in order to sign your personal loan contract. You can then get started on your energy retrofitting work!
Buildings consume a lot of energy. However, it’s sometimes possible to improve the energy performance of our homes and help make our lives more sustainable by carrying out specific renovation work.
Energy retrofitting work allows you to :
Our advisors are available between 8.00 am and 6.00 pm, Monday to Friday, on (+352) 42 42-2000.
Frequently asked questions
The energy retrofitting loan is available to people who own their own home, are looking to carry out energy retrofitting work and want to borrow between EUR 1,000 and EUR 75,000.
Any of these two types of loan can be put towards energy retrofitting work. However, they are each tailored to specific circumstances. Which loan is right for you depends on your financial situation, how old your home is and how much money you need to borrow.
* Offers subject to conditions and to the Bank's approval of your application. Special conditions valid from 1 to 31 October 2026. Reimbursement of mortgage deed fees up to 0.5% of the total amount of your mortgage loan, with a maximum of EUR 5,000, for a primary residence in Luxembourg, provided that the notarial deed is signed before 31 December 2026. These conditions also apply to climate loans and renovation loans. Please contact an advisor for details.
For an amortised mortgage of EUR 500.000 fully disbursed in a single sum and repayable over 25 years at a variable interest rate of 4.00 % p.a., the borrower will repay 300 monthly instalments of EUR 2.657,98 (excluding optional insurance). The fixed annual effective interest rate is 4,12 % per year. Assuming the aforementioned interest rate does not change, the overall cost of the loan would be EUR 297.394.00 made up of debit interest (EUR 294.894,00), a one-time advance fee (EUR 2.000) and account handling charges (EUR 500). As a result, the total amount owed by the borrower would amount to EUR 797.394,00.
** Offer subject to terms and conditions. Subject to the bank's approval of your application. Valid from 4 August to 31 October 2026, reserved for new clients opening an online account:
- Account free of charge for 1 year
- A welcome gift of EUR 100 provided when at least EUR 1,500 is paid into your BGL BNP Paribas account each month for three months (starting from the first full month).
(1)Offer subject to terms and conditions and approval of your application by the bank. Evidence of the energy retrofitting project is required.
