Home upgrade loan
Finance comfort, insulation or compliance works.
View this offer
Home improvement loan — renovation and upgrade
To transform
To transform
what already exists.
From €5,000 to €75,000, over 12 to 120 months. Fixed APR from 3.20%, with no origination fees and no proof of use required.
3.20 %
Min. fixed APR
€0
Origination fees
14 d
Legal cooling-off
Home improvement simulator
Desired amount
Term
2 months400 months
Purpose (optional)
Monthly payment
/month
APR
Total cost of credit
Total amount due
Apply now
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.
Fixed APR over 10 years
Contractual monthly payment unchanged until the end of the loan. No revision factor.
No origination fees
No fees to file your application, even if refused.
Decision within 2 hours
Preliminary decision within 2 business hours Monday to Friday between 8am and 6pm.
Early repayment
Up to €10,000 repaid per year with no penalty.
Detailed terms
The project funded,
The project funded,
the cost under control.
- Minimum amount€5,000
- Maximum amount€75,000
- Minimum term12 months
- Maximum term120 months
- Proof of purposeNot required
- 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 | 36 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 home improvement loan of €25,000 over 60 months at a fixed APR of 3.20%, you repay 60 monthly payments of €451.33. Total cost of credit: €2,080.
Why choose Calp for your home renovation work
Four commitments to fund your renovations stress-free
Renovation work typically runs 15 to 20% above the initial quote. Calp offers a renovation loan sized to absorb overruns, with a built-in safety envelope and progressive disbursement aligned with site progress.
15% safety envelope included
Beyond the quote amount, Calp automatically includes a 15% safety envelope to cover site overruns (compliance work, asbestos removal, unquoted custom-made). This envelope is only mobilized on request and only billed if used.
Progressive disbursement on invoice
Funds are disbursed in tranches against artisan invoices, avoiding paying interest on the total amount from day one. You only pay interest on the portion actually disbursed.
Combinable with public aid
The Calp renovation loan is compatible with energy renovation grants, energy savings certificates, eco-loans and regional aid. Our team helps calibrate the loan to take retroactive aid into account.
No mortgage for moderate amounts
Up to EUR 75,000, no mortgage on the renovated property is required. The Calp guarantee suffices. Above that, a conventional mortgage can be studied to obtain a preferential rate on very large projects.
Eligibility criteria
Who can apply for a Calp renovation loan?
The Calp renovation loan is for owner-occupiers, landlords, co-owners (for private parts) and tenants (with written landlord authorization). The property must be in the European Economic Area and the borrower must demonstrate regular repayment capacity.
- Age at subscription18 to 75 at last due date
- Tax residenceEU, EEA or Switzerland
- Minimum net monthly incomeEUR 1,500 / month
- Employment statusPermanent, civil servant, self-employed, retired
- Max debt-to-income ratio35% after operation
- Housing statusOwner, landlord or authorized tenant
Documents to submit with your application
PDF upload from your client area. Decision within 5 business days. Progressive disbursement aligned with artisan invoices.
-
ID and proof of address
Valid ID or passport for each co-borrower. Proof of address less than 3 months old. If the property to renovate is not your main residence, also provide proof of ownership or a lease in your name. -
Detailed artisan quotes
Signed or pro forma quotes from at least two artisans, listing services, materials, quantities, delivery time and ten-year or two-year warranty. For self-build, pro forma invoices from suppliers and materials list. -
Proof of income
Last three pay slips for employees, last two balance sheets for self-employed, last pension notice for retirees. Tax notices for the last two years. -
Title deed or written landlord authorization
Notarized deed of the property to renovate. If tenant, written and signed landlord authorization for the work envisaged. For condominiums: extract of bylaws authorizing modifications. -
Public aid estimate
Renovation grant simulation, energy savings certificate estimate, eco-loan application in progress, regional or local subsidies. Helps adjust the loan amount to avoid over-borrowing, as aid generally arrives after work begins.
Typical use cases
What is the Calp renovation loan used for?
The Calp renovation loan funds all types of improvement, renovation and compliance work. Below are the four most frequent uses observed in 2025.
Global energy renovation
Insulation, window replacement, heat pump, solar panels, dual-flow ventilation. Benefits most from public aid. 35% of files. Average amount EUR 28,000, term 84 months.
Kitchen or bathroom overhaul
Demolition, plumbing, electricity, tiling, equipment, custom furniture, finishing. High-impact work on daily comfort and property value. 28% of files. Average amount EUR 18,000, term 60 months.
Extension or attic conversion
Additional living surface (bedroom, master suite, office), often triggered by a child's birth or shift to remote work. 22% of files. Average amount EUR 42,000, term 120 months.
Compliance and urgent work
Failing roof, structural water leak, mandatory electrical compliance, mayor-required facade renovation. Non-deferrable work, fast disbursement. 15% of files. Average amount EUR 14,000, term 48 months.
Frequently asked questions
Your questions, our answers.
01
Do I need a quote to obtain the loan?
A quote or estimate is requested to size the amount. There is no contractual obligation of use: you manage your project freely.
02
Can the loan be combined with public renovation grants?
Yes, fully compatible with public schemes (energy renovation grants, eco-loans, energy savings certificates).
03
Can I finance work on a rental property?
Yes, landlords are accepted. Proof of ownership is required.
04
Are funds disbursed in several instalments?
Single disbursement to your current account after the cooling-off period. You manage payments to the artisans.
05
Can I finance self-built work?
Yes, provided you submit a detailed materials list and pro forma invoices from suppliers (building merchants, material suppliers). Calp finances up to 80% of the materials quote in self-build. Labour is obviously not financed, but specific tools (rental or purchase) can be included in the envelope.
06
Is the renovation loan compatible with eco-loans?
Yes, and it is often the optimal combination. Eco-loans cover up to EUR 50,000 of work at 0% on energy work bundles. The Calp renovation loan complements eco-loans for non-eligible work or the portion exceeding the cap. Our team helps structure the assembly of both loans.
07
What happens if the site is delayed?
Progressive disbursement on invoice automatically adapts to the real pace of the site: if artisans intervene later than expected, funds remain available without surcharge. During this waiting period, you only pay interest on the portion already disbursed. Deferment can be extended up to 18 months without penalty.
A project under control,
a predictable loan.
No imposed use, no forced staggered payments, no hidden fees.
