Ecopack Energy Renovation Loan at 0% Interest
In 2026, more and more households in Wallonia are turning to renewable energies and energy-saving renovations to reduce their energy bills and increase the comfort of their homes. The Ecopack 0% installment loan is a powerful support system: under certain conditions, you can finance a package of energy-saving works at a zero interest rate.
In 2026, more and more households in Wallonia are turning to renewable energies and energy-saving renovations to reduce their energy bills and increase the comfort of their homes. The Ecopack 0% installment loan is a powerful support system: under certain conditions, you can finance a package of energy-saving works at a zero interest rate.
Our legal and credit experts decode for you the Ecopack formula, its conditions, and how to take advantage of it to modernize and improve the energy performance of your home.
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For eligible homes located in the Walloon Region
The Ecopack installment loan is a 0% interest loan dedicated to financing one or more sustainable renovation work packages on any housing located in Wallonia and primarily intended for habitation.
The annual percentage rate (APR) is fixed for the entire duration of the loan. The repayment period depends on your household’s globally taxable income.
Loan Duration According to Your Income
The Ecopack loan offers a fixed APR of 0% over a duration that varies according to the globally taxable income of your household. This makes the repayment schedule more adapted to your financial situation while encouraging energy transition investments.
Here are the maximum repayment periods based on income categories:
Income < €18,700
Maximum duration: 12 years
For the lowest incomes, the repayment can be spread over a longer period to preserve your budget.
€18,701 – €34,200
Maximum duration: 10 years
Balanced repayment horizon for modest to moderate incomes.
€34,201 – €51,300
Maximum duration: 8 years
A shorter maturity while maintaining comfortable monthly repayments.
€51,301 – €93,000
Maximum duration: 5 years
For higher incomes, repayment is more concentrated over time.
The household income ceilings are increased by €2,500 per dependent child, for a maximum of two dependent children, without exceeding the absolute ceiling of €93,000.
Granting Conditions for the Ecopack Loan
To take advantage of the Ecopack 0% interest loan, several eligibility conditions related to the amount, property, borrower profile, and previous loans must be met. These rules aim to ensure that the scheme primarily benefits households investing in genuine energy improvements to their main residence.
The borrowable amount must be at least €2,500 (including VAT) and cannot exceed €30,000 (including VAT). The initial building permit application for the housing concerned must be prior to 1 December 1996, and the property must be healthy and located in Wallonia.
You must be either the owner or the tenant of the housing, and it must already be occupied by the applicant at the time of the loan request. Any professional activity conducted there requires prior written consent from the lender, namely the SWCS.
- Amount between €2,500 and €30,000 (including VAT)
- Building permit application before 01/12/1996
- Housing located in Wallonia and in healthy condition
- Applicant is owner or tenant and already occupying the property
- Household globally taxable income ≤ €93,000
- No registration as a defaulting debtor in the Central Credit Register
The applicant must be at least 18 years old. Remaining balance insurance is not compulsory, but it may be financed by the loan if you choose to take it out. However, the housing must always be covered by fire insurance.
A household that has already contracted a loan at one of the social credit counters can only benefit from a new Ecopack loan one year after the opening of the first loan.
Works Eligible for the Ecopack 0% Loan
The Ecopack loan must finance at least a package of two works from the official list of fundable interventions. These works must be carried out by a registered contractor and completed within two years from the date the loan is granted. The system is designed to encourage combinations of energy efficiency measures for a real impact on your consumption.
The regulation provides for either a package of two energy performance works or a package of one energy performance work and one additional eligible work. This flexibility allows you to build a tailored renovation plan that combines insulation, heating, and potentially energy production.
Energy Performance Works
These are the core works directly improving the energy performance of your home and are central to the Ecopack scheme.
- Thermal insulation of the roof, walls, and floors
- Replacement of frames or glazing
- Installation of a ventilation system
- Installation of a condensing boiler (natural gas, propane, or oil)
- Installation of a heat pump or biomass boiler
- Connection to a heat network
- Installation of an instantaneous water heater
Other Eligible Works
In addition to energy performance works, certain complementary interventions can be financed as part of your Ecopack project.
- Roof replacement when linked to an energy improvement
- Energy audit to define and prioritize the works to be carried out
- Installation of photovoltaic panels
Formalities and Release of Funds
The Ecopack loan application process is designed to be accessible and to support you throughout your renovation project. Filing a loan application with the Ecopack call center does not incur any costs for the applicant, which allows households to study their options calmly before committing.
Once the loan is granted, the funds are released progressively as the works advance. Each time you wish to obtain a release of funds, you must submit a request to the SWCS accompanied by supporting documents such as pro forma invoices, deposit receipts, or other accepted proof.
The sums are then paid directly into the bank account of the contractor or the material supplier. This approach ensures that the loan is effectively used for the targeted renovation works and protects both the borrower and the financing body.
By combining a 0% APR, strict eligibility criteria, and controlled payment of funds, the Ecopack formula encourages responsible, sustainable, and high-impact energy renovations in Wallonia.
Key Steps
- Contact the Ecopack call center and submit your loan application (no application fees).
- Define your package of at least two eligible works with a contractor.
- After approval, start the works and submit requests for fund releases as the project progresses.
- The SWCS pays the amounts directly to your contractor or supplier.
Ready to Boost the Energy Performance of Your Home?
Take advantage of the Ecopack 0% installment loan to finance your energy renovation works in Wallonia under optimal conditions. Get a clear overview of your possibilities and simulate your project with one of our experts.
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