Energy renovation personal loan

Prêt Transition Logement can finance roof, wall, window or floor insulation, renewable heating, solar installations and electric-vehicle charging points. It is a personal loan: the money can be used at your discretion without proof of spending, and you must repay the loan.

After final contract approval, the money is paid into your bank account following the 14-day withdrawal period. You may expressly request payment from the eighth day after accepting the offer, or delay release until up to 30 days after signing. The withdrawal period runs for 14 calendar days from acceptance.

You repay in monthly instalments. The first payment can fall 30, 60 or 90 days after funds are released; postponing it increases the cost and can extend the loan. Choosing another payment date incurs interest for the intervening period. Loan and optional insurance payments normally use one debit; insurance is collected separately for loans above €75,000 or with a guarantee or payment deferral.

Within your contract’s limits, you can change monthly payments free of charge; this changes the repayment period and total cost. From the 13th instalment, you can pause one instalment in each 12-month period under the contract’s conditions. This extends repayment without increasing the number or amount of instalments or the total loan cost.

You can request partial or full early repayment under the contract’s conditions. No early-repayment compensation is due when repayment is made under insurance intended to repay the loan.