Home Loans Home improvement

Home improvement — energy efficiency

To live better,
to spend less.

From €5,000 to €75,000, over 12 to 120 months. Fixed APR from 3.20%, combinable with public energy renovation grants.

3.20 %

Min. fixed APR

€0

Origination fees

14 d

Legal cooling-off

Renovation simulator

Desired amount

Term

2 months400 months

Purpose (optional)

Monthly payment /month

APR Total cost of credit Total amount due

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Representative example. A loan is a binding commitment that must be repaid. Check your ability to repay before signing.

Why Calp

Four simple commitments, contractually upheld.

Contractual fixed APR

Rate set in the offer, valid through to the end. No revision possible.

Combinable with public aid

Compatible with renovation grants, eco-loans and energy savings certificates.

Fast review

Preliminary decision within 2 business hours of a complete application.

Early repayment

Up to €10,000 repaid per year with no penalty.

Detailed terms

A useful renovation,
clear financing.

Minimum amount€5,000
Maximum amount€75,000
Minimum term12 months
Maximum term120 months
Supporting documentArtisan quote
Origination fees€0
Borrower insuranceOptional
Disbursement of fundsWithin 8 days after cooling-off period
Early repaymentNo penalty up to €10,000 / year
GuaranteeCalp surety

Indicative fixed APR scale

Excluding optional insurance. Updated 12 May 2026.

Borrowed amount	Term	APR
€5,000 — €10,000	24 months	3.80%
€10,000 — €20,000	48 months	3.40%
€20,000 — €30,000	60 months	3.20%
€30,000 — €50,000	84 months	3.30%
€50,000 — €75,000	96 months	3.50%
€50,000 — €75,000	120 months	3.80%

Representative example: for a renovation loan of €20,000 over 60 months at a fixed APR of 3.20%, you repay 60 monthly payments of €361.06. Total cost of credit: €1,664.

Why choose Calp for your home improvement

Four commitments to sustainably renovate your home

Home improvement goes beyond simple renovation: it combines comfort, energy efficiency and property valuation. Calp offers a dedicated loan calibrated to integrate public aid and accompany the energy transition.

Discounted APR for energy renovation

If more than 50% of the financed work concerns energy efficiency (insulation, low-carbon equipment, ventilation), Calp applies a 0.30% APR discount versus the standard rate sheet. This discount is combinable with renovation grants and energy savings certificates.

Project support by a dedicated advisor

Each file is handled by a housing advisor helping you structure the project: work order, choice of certified artisans, renovation grant file, site planning. Free service, included in the loan, no hourly billing.

Full combination with public aid

Renovation grants, energy savings certificates, eco-loans, energy transition bonus, regional aid: the Calp loan is designed to articulate with all public schemes. Our team indicates the optimal order of aid mobilization to avoid losing eligibility.

Repayment modulable along the site

Monthly payment adjustable up or down to 30%, twice a year. Particularly useful for long renovations spread over several phases. Free modulation, request from client area.

Eligibility criteria

Who can apply for a Calp home improvement loan?

The Calp home improvement loan is for owner-occupiers and landlords wishing to renovate, improve or extend their home. The main condition is the borrower's repayment capacity and the nature of the work, which must contribute to the use or valuation of the property.

Age at subscription18 to 75 at last due date
Tax residenceEU, EEA or Switzerland
Minimum net monthly incomeEUR 1,600 / month
Employment statusPermanent, civil servant, self-employed, retired
Max debt-to-income ratio35% after operation
Property statusOwner-occupier or landlord

Documents to submit with your application

PDF upload from your client area. Decision within 5 business days. Progressive disbursement aligned with certified artisan invoices.

ID and proof of address
Valid ID or passport. Proof of address less than 3 months old. If the property to renovate is not your main residence, provide the title deed or lease.
Quotes from certified artisans
To benefit from public aid and Calp rate discount, quotes must come from certified artisans. At least two comparative quotes, stating materials and equipment performance.
Proof of income
Last three pay slips, last two tax notices. Landlords: rental income declarations for the last two years. Self-employed: last two certified balance sheets.
Energy Performance Diagnostic
Current Energy Performance Diagnostic of the property, less than 10 years old, essential to measure the energy improvement provided by the work. Otherwise, Calp covers the diagnostic by a certified diagnostician.
Renovation grant and certificate simulation
Official simulation available on government renovation portal or made by your Calp housing advisor. Allows calibrating the loan to complement public aid exactly.

Typical use cases

What is the Calp home improvement loan used for?

The Calp home improvement loan particularly suits the energy transition of older housing. Below are the four most frequent profiles observed in 2025.

Energy renovation of an old house

Attic and wall insulation, boiler replaced by a heat pump, solar panels installation, dual-flow ventilation. Allows moving from energy label E or F to C or B. 44% of files. Average amount EUR 32,000.

Aging-in-place adaptations

Bathroom adaptation, stairlift, door widening, threshold removal, home automation for elderly or mobility-impaired person. Specific aid combinable. 20% of files. Average amount EUR 18,000.

Thermal and acoustic comfort

Double or triple high-performance glazing, acoustic insulation of floors and ceilings (party walls), reversible air conditioning, smart heating management. High quality-of-life impact. 24% of files. Average amount EUR 22,000.

Rental valuation

Work by a landlord to move a property from energy label G to E or D, condition for continued rental under the Climate Resilience law. Work deductible from rental income tax. 12% of files. Average amount EUR 26,000.

Frequently asked questions

Your questions, our answers.

Which works are eligible?

Insulation, heating, ventilation, windows, comprehensive energy renovation. An artisan quote is required as a supporting document.

Is it combinable with renovation grants?

Yes. The loan funds the remaining cost after public aid. Compatible with energy savings certificates, eco-loans and renovation grants.

Do artisans need to be certified?

Certification is recommended to benefit from public aid. Not mandatory to obtain the Calp loan.

Is a property valuation required?

No. The loan is granted on repayment capacity, with no property valuation.

Is home improvement loan combinable with renovation grants?

Yes, fully and without additional formality. The Calp loan is calibrated to cover the remaining cost after deducting all aid: renovation grants, energy savings certificates, eco-loans, local subsidies. Our housing advisor helps you organize the aid calendar so the loan covers exactly the non-subsidized part, without over-borrowing.

What is the difference with a classical renovation loan?

The home improvement loan focuses on sustainable home improvement (energy, comfort, accessibility) with a discounted rate and specific support. The renovation loan is more general and can also fund cosmetic work, decoration or extension. If more than 50% of your project concerns energy renovation, home improvement is more advantageous.

Must my work be done by certified artisans?

To benefit from public aid (renovation grants, energy savings certificates, eco-loans) and the Calp rate discount, yes, energy work must be done by certified artisans. For non-energy work (cosmetic, extension, accessibility), any artisan with ten-year insurance is accepted. Self-build is possible for the non-aid part.

A completed renovation,
a budget kept.

No grants promised without conditions, no imposed quote, no additional product.

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To live better, to spend less.