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Favourable interest rate

Saving energy and money

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What is the Loan for energy efficiency improvements? 

It is a personal loan with a favorable rate of interest that can only be used for funding the following:

  • replacement and maintenance of old boilers; 
  • installation of a solar-powered hot water system; 
  • fitting of photovoltaic panels to convert solar energy to electricity; 
  • installation of other equipment designed to produce geothermal energy; 
  • fitting double glazing; 
  • roof, ground and wall insulation;  
  • installation of thermostatic valves or a timer-based room thermostat; 
  • arranging an energy audit of your home. 


  • Favourable interest rate: you qualify for a smaller interest rate than that on a standard personal loan;
  • Economical: saving energy means saving money, and you pay no handling charge either;
  • Quick: you obtain your loan quickly, so you can start your improvements directly without drawing on your savings;
  • Environmentally friendly: you reduce your ecological footprint;
  • Tax: if you are a Luxembourg taxpayer or the equivalent, you can deduct the debit interest, up to an amount of €336 for each member of your household for tax purposes, as well as the debt balance insurance premiums associated with this loan, from your taxable income. 

Further details about avalaible grants

Find out about all the financial assistance available to you when taking out a loan for energy renovations in our free guide:

You will find in this guide:

  1. The Climate loan - KlimaPrêt aims to promote the sustainable renovation of houses older than 10 years. These loans make it possible for properties to be renovated for more responsible consumption, to preserve the environment, to reduce energy costs, to increase comfort and the value of the home.
    >Klimaprêt leaflet (FR)

  2. On the website 'Klima Agence', you will find all the aids available for your projects as well as a multitude of tips to reduce your energy consumption.

    State aid, municipal aid, energy suppliers, discover through the simulator of Klima Agence the amounts you can benefit.

  3. Klimabonus - State premiums: In addition to these financing facilities, the State offers cumulative premiums which can reduce the cost of the works. These aids are applicable to renovation and/or construction. 

Frequently asked questions

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This product is not aligned with the European taxonomy.

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