Renovate your home with our home improvement loan
The Fidexico home improvement loan is an earmarked credit intended to finance renovation, improvement, fitting-out or construction work carried out on your main residence, second home or rental property. Being earmarked to a specific project, it benefits from the legal protection of article L.312-55 of applicable Portuguese law: if the work is not carried out or the quote is cancelled, the credit agreement is cancelled without penalty.
The Fidexico home improvement loan is fully combinable with government energy renovation grants: MaPrimeRénov' (ANAH), Energy Savings Certificates (CEE), reduced VAT at 5.5% for energy performance improvement work, and the zero-rate eco-loan (éco-PTZ) for owner-occupiers. These grants are deducted from the amount to be financed, reducing your monthly payments and the total cost of the credit.
Fidexico accepts quotes from contractors certified as Environmental Guarantors (RGE) for insulation, heating, ventilation and solar panel installation work. These projects are eligible for enhanced ANAH grants. Our customer service team has a team specialising in energy renovation project financing to help you optimise your financing plan by integrating all available grants.
Financial features
| Financeable amount | From €1,000 to €75,000 |
| Repayment period | From 12 months to 120 months (10 years) for energy projects |
| Rate type | Fixed rate — constant monthly payments |
| Indicative APR | From 3.5 % (depending on profile and amount) |
| Processing fees | Variable based on amount and term — conditions communicated before subscription |
| Reduced VAT eligible | 5.5% for energy performance work (art. 278-0 bis CGI) |
| Combinable with grants | MaPrimeRénov', CEE, éco-PTZ — deductible from borrowed amount |
| Fund disbursement | To the contractor or project manager, on presentation of quote/invoice |
Required documents
How to get your renovation loan?
Simulate online
Enter the amount of work (after deducting grants) and the desired term.
Submit your application
Complete the form and upload your supporting documents and your contractor's quote.
Response within 24h
Your application is analysed by our specialist teams. Reply by email within 24 working hours.
Sign electronically
Sign your contract 100% online, compliant with the eIDAS regulation.
Contractor payment
Funds are paid to the contractor on presentation of the paid invoice or by agreement with them.
Frequently asked questions — Home improvement loan
Yes. MaPrimeRénov' is an ANAH grant paid directly to the contractor or homeowner after the work is completed. You can borrow the full amount from Fidexico, then use the grant received to make a partial early repayment without penalty. Alternatively, if your contractor agrees to advance the grant, you can deduct the MaPrimeRénov' amount directly from the borrowed amount. Our customer service team can help you optimise this arrangement.
The éco-PTZ (zero-rate eco-loan) is an interest-free loan for homeowners financing energy renovation work in properties more than 2 years old. Its maximum amount is €50,000 (since 2022) and its term can be up to 20 years. It is distributed by state-partner banks. The Fidexico home improvement loan is not interest-free but offers more flexibility (amounts, purposes, timelines). The two can be combined for large-scale projects.
No. The reduced VAT rate of 5.5% applies only to work improving energy quality (insulation, high-performance boilers, controlled mechanical ventilation, etc.) in properties more than 2 years old. Other renovation work (bathroom, kitchen, extension) benefits from a 10% VAT rate if the property is more than 2 years old. New builds are subject to the standard rate of 20%.
Legal warning: Credit is a commitment and must be repaid. Check your repayment capacity before taking out a loan.
Representative example: For a home improvement loan of €20,000 repayable in 60 monthly instalments of €386.40, Fixed APR of 3.7%, total amount due €23,184. Processing fees may apply based on amount and term. Excluding insurance. Subject to acceptance — Fidexico S.A., ASF (Portugal).