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Find out about the special terms on our energy retrofitting loan !

Energy retrofitting loan interest rate 4,40 % (APR 4,68 %)(1)(2)
Loan term of up to 10 years.

What is an energy retrofitting loan ?

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 :

  • own their own home;
  • want to carry out energy retrofitting work;
  • would like to borrow over the short term (under 10 years);
  • are looking to borrow between EUR 1,000 and EUR 75,000.

Eligible projects are those that improve the energy performance of your dwelling, such as :

  • thermal insulation of external or internal walls, roof spaces or floors;
  • installing heating systems that perform better and are more sustainable : heat pump, stove or boiler powered by wood/wood pellets;
  • installing solar thermal or photovoltaic panels;
  • replacing windows and doors;
  • etc.

Why apply for an energy retrofitting loan ?

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 :

  • a better interest rate than the standard personal loan;
  • a fixed interest rate throughout the contract;
  • regular monthly repayments;
  • repayment term from 12 to 120 months;
  • no application fees.

Did you know ?

Is your dwelling over 10 years old ?

You would like to borrow up to €100,000 over the medium term. Benefit from the interest subsidy on climate loans.

How to take out an energy retrofitting loan ?

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!

What are the benefits of energy retrofitting ?



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 :

  • reduce your energy bills;
  • make your life more comfortable;
  • boost the value of your property;
  • reduce your dependence on fossil fuels and the impact of price fluctuations;
  • help protect the planet;
  • limit your environmental impact;
  • play an active role in the fight against global warming;

Frequently asked questions 

  • icone faq question
    Who can take out an energy retrofitting loan ?

    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 €1,000 and €75,000 over a period of under 10 years.

  • icone faq question
    What is the difference between a standard home loan and the energy retrofitting personal loan?

    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.

(1)Offer subject to terms and conditions and approval of your application by the bank. Evidence of the energy retrofitting project is required.
(2) For a loan with a total amount of EUR 20,000 repayable over 48 months at a fixed interest rate of 4,40 % per annum, you would pay 48 instalments of EUR 456,78 (excluding optional insurance). No application fees. APR Fixed annual percentage rate: 4,68 % per annum (Offer subject to terms and conditions and monthly inflows of at least EUR 1500 into your BGL BNP Paribas Pack). Total amount owed by the borrower: EUR 21,925.47. The hypothetical example is provided for information purposes only and cannot be considered a loan offer and/or approval. The bank is not liable for this example or for any decisions made based on this example. Offer subject to terms and conditions and approval of your application by the bank.