Rules for green tax credits and 0% loans (2026)

France’s green renovation system is built around a regulated mix of grants, tax advantages, reduced VAT and interest-free loans. Although the structure has evolved significantly over the past decade, the underlying rules remain strict: eligibility depends as much on administrative compliance as on the work itself.

In 2026, most national aid is delivered via MaPrimeRénov, supported by zero-interest eco-loans (éco-PTZ), reduced VAT rates, and additional local or sector-based subsidies.

Fiscal residence and property eligibility

To benefit from national green renovation aid:

• You must be fiscally resident in France

• The property must generally be your main residence

• It must usually be at least two years old

• Applications must be made before work starts

Unlike earlier tax-credit systems, most aid is now paid upfront or during the project, rather than reimbursed later through income tax.

From tax credits to grants: MaPrimeRénov

The former Crédit d’impôt pour la transition énergétique (CITE) has now been fully replaced by MaPrimeRénov, after years of transition.

However, many of the rules that governed CITE still apply, including:

• The requirement to use RGE-certified professionals

• Detailed invoicing and documentation

• Technical performance thresholds for materials and equipment

• Proof that the work delivers a real improvement in energy efficiency

Unlike the old system, MaPrimeRénov is:

• Means-tested

• Paid as a grant, not a tax deduction

• Available to landlords and owner-occupiers alike

Grants can cover a substantial share of costs, and in some cases - particularly for lower-income households undertaking major renovation - up to 90% of eligible expenses, capped at €70,000.

What types of work are eligible?

Eligible work typically includes:

• Insulation (walls, roofs, floors)

• Heating system replacement (heat pumps, biomass boilers, renewable systems)

• Solar thermal installations

• Ventilation upgrades

• Energy-efficient windows and doors

• Electric vehicle charging points

• Full energy efficiency audits

The work must improve the property’s performance, often measured via a DPE or more detailed energy audit.

RGE certification: non-negotiable in most cases

For almost all subsidised energy work:

• The installer must be RGE-certified

• The company must both supply and install the equipment

• “In the process of certification” is not sufficient

This requirement applies to grants, eco-loans and reduced VAT. Using a non-RGE contractor can result in loss of aid, even if the work itself is technically compliant.

Reduced VAT rates

Many green renovations benefit from reduced VAT:

• 5.5% for energy-efficiency improvements

• 10% for certain sanitation and renovation work (including septic tanks)

• Instead of the standard 20%

To qualify:

• The property must be more than two years old

• The work must be invoiced correctly

• Materials and labor must appear clearly on the invoice

The zero-interest eco-loan (éco-PTZ)

The éco-prêt à taux zéro remains a central financing tool in 2026.

Key rules:

• Borrow up to €30,000, interest-free

• Not means-tested

• Issued by participating banks

• Can be combined with MaPrimeRénov and ANAH grants

• Repayable over 10 to 15 years

It can finance:

• A “bouquet” of energy-efficiency work

• A full energy audit

• Installation of a non-energy-consuming septic tank

• Certain sanitation upgrades

In sanitation cases, RGE certification may not be required, but SPANC (see here) approval is mandatory.

Documentation and compliance

Homeowners must keep all invoices (factures) and documentation.

Invoices must include:

• The address of the property

• Cost of materials and labor (VAT included)

• Technical specifications proving compliance

• Contractor certification details

These documents may also be needed later when selling the property, as some renovation costs can be offset against capital gains tax.

Proceeding safely: official advice

Consumer group 60 Millions de Consommateurs strongly advises homeowners to:

• Start via France Rénov

• Use an independent Accompagnateur Rénov for major projects

• Avoid unsolicited offers or rushed quotes

• Plan renovation work as a coherent whole, not piecemeal

This reduces the risk of scams, incompatible work, or loss of eligibility.

Practical Q&A

Are green renovations mandatory?

Only indirectly. Properties rated G cannot be rented since 2025, F from 2028 and E from 2034.

Can I get help installing a septic tank?

Yes. Reduced VAT applies, an eco-PTZ of up to €10,000 may be available for older main residences, and in limited cases ANAH or local grants can contribute - subject to income thresholds and SPANC approval.

Do I need planning permission?

Possibly, especially if the work alters the exterior appearance or is in a protected area.

Can I combine grants and loans?

Yes. Most households use a combination of MaPrimeRénov, eco-PTZ, reduced VAT and local aid.