Energy renovation loan
Borrow for energy-saving home improvements such as heat pumps, solar panels and insulation, with at least half the loan used for energy-saving investments.
You can finance heat pumps, solar hot-water systems, solar panels, insulating glazing, and roof, wall or floor insulation.
This is a loan that you repay in fixed monthly instalments with a fixed interest rate. The maximum repayment term depends on the loan amount; loans above €37,000 can run for up to 180 months (15 years).
You can repay all or part of the loan early, but Belfius charges compensation. For full early repayment, the charge is capped at 1% of the principal repaid when more than one year remains, or 0.5% when one year or less remains.
Belfius Credit Cover insurance is optional. Its premium is excluded from the loan’s annual percentage rate, which expresses the annual cost of borrowing.
Eligibility
- At least 50% of the loan must fund energy-saving investments.
- Belfius must accept your application. The amount you can borrow depends mainly on your ability to repay.
- Belfius may require security after assessing your application, such as pledged savings or a guarantor who backs your repayment.
- Your invoice must show that the financed energy-saving expenses are among those accepted by Belfius.
How to apply
- Status
- Open continuously
Use the loan simulator on Belfius’s product page. Existing customers can then apply online. If you are not a customer, book an appointment with a Belfius expert to make your application.
Provide a purchase invoice or an initial signed order in the borrower’s name, and evidence of income. The guide says your two latest payslips are sufficient income evidence.