ECO Zero rate loan 2025: the energy audit becomes compulsory on July 1

Refund period, eligible work, prior audit … Here are the new rules of the zero rate eco-loan.

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Owners On the verge of renovating your accommodation, know that the rules of the eco-PTZ will change in three months. As a reminder, this loan, capped in 2025 at 50,000 eurosfinance the realization of global energy renovation work, that is to say a bouquet of works and not a single gesture of renovation, as a change of windows. It is open to owners occupying their main residence and landlord owners who rent their accommodation as a main residence within six months of the end of the work.

A ministerial decree, published on March 29, 2025, in depth rebounded the zero-rate eco-loan (eco-ptz) from July 1, 2025. First, first, Its period of reimbursement is now 20 years oldwhile she previously oscillated between 15 and 20 years old. “This measure aims to simplify the system for borrowers and banking establishments, while encouraging ambitious work, often more expensive, but guarantors of a substantial energy gain”decrypts the specialist in real estate diagnostics Diagamter.

Co -ownership: the new rules of the energy audit to know in July 2025

Guarantee the performance of funded renovations

Then, the realization of an energy audit of the accommodation becomes OBLIGATORY To benefit from an eco-PTZ. This audit must be carried out before the work and demonstrate that the envisaged renovation allows the accommodation to win at least two classes On the scoring scale for the energy performance diagnosis (DPE). The objective being to “Guarantee the real performance of funded renovations”Diagamter analysis.

Finally, the decree Harmonizes the work eligible for the eco-PTZ with those financed by Maprimerénov ‘the main aid to the energy renovation of housing, and with those eligible for VAT with reduced rate. This in order to allow “cross” funding of the renovations, the eco-PTZ completing Maprimerenov ‘by funding the rest for households. For example, to benefit from the eco-PTZ, the thermal insulation work on the floors of the lost attic will have to include materials whose total thermal resistance is greater than or equal to 7 square meters-Kelvin by Watt. The other works that see their requirements aligned with those of Maprimerenov ‘concern the thermal insulation of the walls overlooking the outside, glass walls, installation as well as the regulation or replacement of heating or cooling or domestic water production systems.