Are you planning to start energy renovation works? With government subsidies and our tailored financing options, now is the perfect time to bring your renovation plans to life. Let’s talk about it straight away!
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.
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.
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.
Energy renovation enhances the long-term value of your real estate.
Optimized energy consumption means long-term savings.
Energy renovation improves your home’s overall performance.
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.
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.
Want to learn more about energy renovation in Luxembourg? A 2025 study by Toluna Harris Interactive and BNP Paribas(1) explores public perceptions, beliefs, and barriers. Check out the study to understand current trends.
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 >
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.
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 |
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) 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.
