Energy loan
Borrow at a fixed rate for home improvements such as insulation, solar panels and heat pumps when at least half of the renovations improve energy efficiency.
Questa opportunità è attualmente disponibile in inglese.
The loan can finance energy-saving heating, insulation and glazing, ventilation, water systems, solar panels, home batteries, charging stations and energy audits. At least 50% of your renovations must be for energy efficiency.
Borrowing starts at €1,000 and can cover up to 100% of the purchase price, including VAT. You repay the loan with interest in equal monthly instalments, starting one month after payment of the loan. The rate is fixed. The minimum term is six months; the term must respect statutory repayment limits and cannot exceed the economic life of the investment.
There are no origination or registration fees. If you repay part or all of the loan early, contact your KBC branch; an early-repayment charge, called a reinvestment fee, applies. You have 14 calendar days to withdraw from the contract, beginning when both parties have signed it.
Eligibility
- You must be at least 18 and have a permanent residence address in Belgium.
- If you are married, both spouses must apply. If you are unmarried, you may apply alone or with your cohabiting partner, provided that partner is also a KBC client. For an application involving more than two people, make an appointment.
- At least half of your home improvements must be for energy efficiency. KBC Bank NV must approve the loan application and agree the loan with you.
How to apply
- Stato
- Aperto continuamente
- Restrizioni del bando
- Subject to approval by KBC Bank NV and mutual agreement.
Run a loan simulation on KBC’s website or in KBC Touch or KBC Mobile, then apply through the same channel. You can apply through the website even if you are not already a KBC customer. Applications in KBC Touch and KBC Mobile can be for up to €75,000; make an appointment if you want to borrow more.
Provide the signed contract documents and proof of investment, such as an invoice or contractor’s quote. The loan becomes available when the financed investment is delivered. Notify your KBC team by returning the disbursement instruction form supplied by KBC. Payment goes into the account used for your monthly repayments; it must be a payment-capable account in your sole or joint name.