The energy loan (instalment loan), a multitude of possibilities
Reduce your home's energy consumption, increase your comfort and finance your work at an attractive rate.
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- Discover the personal instalment loan to also finance higher education
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Save and invest
Invest
Save and invest with a goal
Our investment solutions
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Did you know?
Financing a property
Finance a vehicle
Fund a project
Our advice
Borrowing money also costs money
Borrowing money also costs money
- Discover the personal instalment loan to also finance higher education
Family protection
Home protection
Mobility protection
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Did you know?
By your side
Specific approach
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Did you know?
Warning: borrowing money also costs money.
LOANS
Energy loan (instalment loan)
Achieve all your energy projects
With the energy loan, you can borrow up to €50,000 and, depending on your needs, up to 130% of the value of your work. Up to 110% for loans from €50,000 to €150,000 maximum.
The best loan, according to Test Achats
During Batibouw (17 to 25 February 2024), Test Achats determined the ‘best ecological renovation loan” by calculating the average rate practiced by each lender over the entire year 2023.
At just 3.7628%, BNP Paribas Fortis, ex æquo with Fintro, received the title of "Best in Test". This title rewards the product or service that has obtained the best scores according to different quality criteria selected in its sector.
For what types of work?
Double glazing, floor, roof and wall insulation, pellet stove, condensing boiler, solar water heater, heat pump, thermostatic valves, green roof, solar or photovoltaic panels...
Borrow a higher amount
Up to €50,000, everything can be done online. Want to borrow more? It's possible. Make an appointment at your agency or via our Easy Banking Centre to submit your application.
What do you need?
Prepare the invoice, your ID card, your bank card with the card reader and account number, as well as proof of income and expenses. Then choose the amount and duration (within legal limits).
What is the PEB?
The PEB (Building Energy Performance) certificate is your building's energy identity card. It expresses your home's energy performance via indicators such as energy class, energy consumption, renewable energy, CO2…
EEM label, for energy-efficient mortgages
We are the first bank in Belgium to apply the European Energy Efficient Mortgage (EEM) label. It guarantees that mortgages with this label are intended to limit CO2 emissions. They therefore offer an attractive interest rate. The EEM label relates to mortgages for new constructions, the purchase of homes with an energy label A, and the renovation of homes improving energy efficiency by at least 30%. If you opt for an energy-efficient project, you can benefit from reductions and attractive interest rates.
PERSONALISED SIMULATION
Request your energy loan in 3 steps
1
Simulation and application
Do a simulation and complete your application online.
2
Application processing
Your application is processed within 2 working days.
3
Loan acceptance
Once your loan is accepted, the money arrives on your account on the desired day.
Need an energy loan?Simulate and apply
Personalised advice?
Waiting for an offer, need some time, wondering which credit is best suited to your project? Need advice or support for your application? An expert advisor is at your disposal.
Call us on 02 433 41 36 or make an appointment at your agency.
Protect yourself and your loved ones
Life is unpredictable. Protect yourself and your loved ones against financial difficulties with the instalment loan and unemployment insurance.
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Instalment loan insurance (optional) from AG
With this optional group insurance under Branch 21, you can take out an instalment loan without putting yourself or your loved ones in financial difficulty in the event of disability or death.
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Unemployment insurance (optional) from AG
Limit the financial impact of unexpected unemployment. Temporarily cover the repayment of your instalment loan with unemployment insurance, a collective insurance under Branch 16.
Potentially of interest to you
Eco-energy construction
Discover everything you need to know about energy-efficient renovation, financial solutions, tax reductions, PEB and premiums.
Grants and subsidies
Need a little financial boost for your construction or renovation work? We've gathered together the main support measures on offer from the different regions for you.
Learn more
Loan to finance solar panels (instalment loan)
Optimise your energy transition and installation with our instalment loan solution to finance photovoltaic panels.
Read the articleOther personalised solutions
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Renovation Loan (Instalment Loan)
Want to transform your home according to your desires? We can help you finance your work at an attractive rate, and up to 3 months after the invoice dates. You can also borrow, depending on your needs, up to 130% of the value of your project. Do a simulation and apply for your loan online.
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Mortgage loan
Want to finance your property project? Our mortgage loan is unique on the Belgian market, as it can evolve according to your financial situation. Opting for an eco-friendly project? Then count on us for attractive interest rates!
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Insure what matters to you
AG's Top Home Insurance offers you peace of mind. It covers your home and its contents, but also, without any additional premium, solar panels, garage, garden shed... It allows you to rebuild according to environmental standards in force in case of disaster. And it includes 24/7 assistance.
Legal information
Energy Loan - Loan type: instalment loan. The provisions relating to consumer credit of Chapter 1 of Title 4 of Book VII of the Economic Law Code apply. Covers all measures to save energy in the home, including the purchase and/or installation of frames and double glazing, heating and boilers, insulation materials, solar panels, energy audit and all other materials and work intended to achieve energy savings in the home. Subject to acceptance of your application by AlphaCredit SA, lender, Montagne du Parc 8 box 3, B-1000 Brussels, RPM Brussels, VAT BE0445.781.316. Agent: BNP Paribas Fortis SA, Montagne du Parc 3, B-1000 Brussels – RPM Brussels – VAT BE 0403.199.702.
Renovation Loan - Loan type: instalment loan. The provisions relating to consumer credit of Chapter 1 of Title 4 of Book VII of the Economic Law Code apply. Subject to acceptance of your application by Alpha Credit SA, lender, Montagne du Parc 8/C, 1000 Brussels – RPM Brussels – VAT BE 0445.781.316. Agent: BNP Paribas Fortis SA, Montagne du Parc 3, 1000 Brussels – RPM Brussels – VAT BE 0403.199.702.
Loan type: mortgage loan for real estate or movable property. The provisions relating to mortgage credit of Chapter 2 of Title 4 of Book VII of the Economic Law Code apply. Subject to acceptance of your application by BNP Paribas Fortis SA, lender, Montagne du Parc 3, 1000 Brussels – RPM Brussels – VAT BE 0403.199.702.
To know the exact extent of the guarantees, refer to the general conditions of this product, which you can find on bnpparibasfortis.be and in all our agencies. You can also obtain them by calling the Easy Banking Centre on 02 762 90 00.
AG Insurance (in short AG) SA – Bd E. Jacqmain 53, B-1000 Brussels - www.aginsurance.be - info@aginsurance.be - RPM Brussels – VAT BE 0404.494.849 - Insurance company approved under code number 0079, under the control of the National Bank of Belgium, Bd de Berlaimont 14, 1000 Brussels.
Intermediary: BNP Paribas Fortis SA – Montagne du Parc 3, B-1000 Brussels – RPM Brussels – VAT BE 0403.199.702, is registered under this number with the FSMA, Rue du Congrès 12-14, 1000 Brussels, and acts as a tied insurance agent, remunerated by commissions, for AG Insurance SA. BNP Paribas Fortis SA holds a participation of more than 10% in AG Insurance SA.
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