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LOANS

Energy loan (instalment loan)

PRACTICAL

The loan for energy-saving home improvements

Need a new boiler, heat pump or solar panels? With the Energy Loan, you can renovate your home at a more attractive rate, provided at least 75% of the works are focused on energy savings.

YOUR ADVANTAGES

An attractive interest rate

The Energy Loan allows you to finance your renovation works at a favourable rate, up to 3 months after the invoice date.

MORE INFORMATION

Everything can be done online

From simulation to application and signing (after your application is approved): everything can be done easily, securely and entirely online.

Would you like advice or support during your application? An expert advisor is here to help. Call us on 02 433 41 36 or make an appointment at your branch.

Bring all your energy-saving plans to life

With the Energy Loan, you can apply online to borrow up to €50,000, or even up to 120% of the cost of the works, depending on your needs.

With the Energy Loan (instalment loan), you can renovate more than you think

Lower your home’s energy consumption, improve comfort, and finance your renovation works at an attractive rate.

What can you borrow for?

Double glazing, floor, roof and wall insulation, pellet stove, condensing boiler, solar water heater, heat pump, thermostatic valves, green roof, solar or photovoltaic panels …

Borrowing a higher amount

You can apply online for up to €50,000. Need to borrow more? That is also possible. Simply make an appointment at your branch or contact our Easy Banking Centre to submit your application.

What do you need to apply?

Keep the invoice, your ID card, bank card and card reader, account number, and proof of income and expenses at hand. You can choose the amount and duration yourself (within legal limits).

What is a home’s EPC?

The Energy Performance Certificate (EPC) provides information about the energy efficiency of a home. The EPC value – expressed on a scale from A to F or G (depending on the region) – gives you an idea of how energy-efficient your home is. Only certified energy experts are authorised to issue this certificate. It is mandatory for all sales or rentals. The certificate also includes recommendations to improve the EPC score, helping you live more energy-efficiently and sustainably, for example, by installing roof insulation, double glazing and/or a heat pump.

EEM label – for mortgage loans with energy-efficient and energy-saving purposes

We were the first bank in Belgium to apply the European Energy Efficient Mortgage Label (EEM label). This guarantees that mortgage loans carrying this label are used for purposes that reduce CO₂ emissions, making them eligible for an even more attractive rate.

The EEM label applies to loans for new-build homes, the purchase of homes with an A energy label, and renovations that improve energy efficiency by at least 30%. So if you choose an energy-efficient or energy-saving project, you can enjoy even better rates and discounts.

PERSONALISED SIMULATION

An Energy Loan in 3 steps

1

Simulation and application

Use our simulator and submit your application online.

2

Processing your application

We process your application within two working days.

3

Loan approval

Once approved, the amount will be released into your current account on a date you choose.

Need an energy loan?

Would you like personalised advice?

Are you waiting for a quote or unsure which loan is best for your project? Would you like advice or support with your application? An expert advisor is ready to support you with your renovation project. You will receive a personalised renovation report, including an action plan, an estimate of the total cost of the works and information on any available grants or subsidies, and an indication of how your works will impact your EPC rating.

Call us on 02 433 41 36 or make an appointment at your branch.

Make an appointment

Protect yourself and your loved ones

Life is unpredictable. Protect yourself and your loved ones against financial difficulties with Instalment Loan Insurance and Unemployment Insurance.

  • Optional Instalment Loan Insurance from AG

    With optional Instalment Loan Insurance from AG, a collective policy (class 21), you can take out your Instalment Loan without putting yourself or your loved ones at financial risk in the event of disability or death.

    Discover this insurance

  • Optional Unemployment Insurance from AG

    Reduce the financial impact of involuntary unemployment by temporarily covering repayments on your Instalment Loan with optional Unemployment Insurance from AG, a collective policy (class 16).

    Discover this insurance

Legal information

Energy Loan – Loan type: Instalment Loan. The consumer credit provisions from Chapter 1, Title 4, Book VII of the Belgian Code of Economic Law apply. Covers all energy-saving works in the home, including the purchase and installation of frames and double glazing, heating and boilers, insulation materials, solar panels, energy audits, and all other materials and works aimed at reducing home energy use. Subject to approval of your application by AlphaCredit NV, lender, Warandeberg 8 bus 3, B-1000 Brussels, RPR Brussels, VAT BE 0445.781.316. Tied agent: BNP Paribas Fortis NV, Warandeberg 3, B-1000 Brussels – RPR Brussels – VAT BE 0403.199.702.

Renovation Loan – Loan type: Instalment Loan. The consumer credit provisions from Chapter 1, Title 4, Book VII of the Belgian Code of Economic Law apply. Subject to approval of your application by AlphaCredit NV, lender, Warandeberg 8 bus 3, B-1000 Brussels, RPR Brussels, VAT BE 0445.781.316. Tied agent: BNP Paribas Fortis NV, Warandeberg 3, B-1000 Brussels – RPR Brussels – VAT BE 0403.199.702.

Loan type: Mortgage loan for (im)movable property. The mortgage loan provisions from Chapter 2, Title 4, Book VII of the Belgian Code of Economic Law apply. Subject to approval of your application by BNP Paribas Fortis NV, lender, Warandeberg 3, 1000 Brussels – RPR Brussels – VAT BE 0403.199.702.

For full details of the cover, please refer to the general terms and conditions of the product, available at bnpparibasfortis.be and in all of our branches. You can also obtain them by calling the Easy Banking Centre on 02 762 60 00.

AG Insurance NV – Bd. E. Jacqmain 53, B-1000 Brussels – www.aginsurance.be – info@aginsurance.be – RPR Brussels – VAT BE 0404.494.849 – Belgian insurance company authorised under code 0079, supervised by the National Bank of Belgium, Boulevard de Berlaimont 14, 1000 Brussels.

Intermediary: BNP Paribas Fortis NV – Warandeberg 3, B-1000 Brussels – RPR Brussels – VAT BE 0403.199.702, registered under this number with the FSMA, Rue du Congrès 12-14, 1000 Brussels, and acting as a tied insurance agent, remunerated via commissions, for AG Insurance NV. BNP Paribas Fortis NV holds a stake of more than 10% in AG Insurance NV.

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