Brussels zero interest green loan for residential sector

Residential owners and renting tets (with the written agreement of the dwelling’s owner) are eligible for a green loan for energy improving works at their residences located in Brussels region. 

The loans are available either through Crédal or through a Housing Fund (Fonds du Logement). Eligible parties are allowed to borrow from EUR 500 to EUR 25,000 at preferential rates. Loans can also cover a purchase of solar PV panels, heat pumps (hot water and warming) and solar water heaters.

Crédal offers loans under the following conditions:

The loan is available to eligible parties at preferential rates ranging from 0% to 1% to be reimbursed within a maximum of 10 years. The 0% rate is applied to people whose annual income does not exceed EUR 30,000 for a one-person household and EUR 60,000 for two person households. Beyond these revenue levels, a rate of 1% applies to the loan.

The Housing Fund offers loans under the following conditions:

• The loan is available to eligible parties at preferential rates ranging from 0% to 2% to be reimbursed within a maximum of 30 years.
• The 0% rate is applied to people whose annual income does not exceed EUR 15,000. 
• Beyond these revenues, a custom rate based on an annual income will be applied, however, it will not exceed 2%.

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