{"id":409,"date":"2025-04-22T00:00:00","date_gmt":"2025-04-21T22:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/2017\/11\/23\/leco-pret-a-taux-zero-ou-eco-ptz\/"},"modified":"2025-06-23T11:26:16","modified_gmt":"2025-06-23T09:26:16","slug":"guide-eco-ptz","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/guide-eco-ptz\/","title":{"rendered":"L'\u00e9co-pr\u00eat \u00e0 taux z\u00e9ro ou \u00e9co-PTZ"},"content":{"rendered":"\n<h2 class=\"has-normal-font-size wp-block-heading\"><strong>L'\u00e9co-pr\u00eat \u00e0 taux z\u00e9ro (\u00e9co-PTZ) est un pr\u00eat destin\u00e9 au financement des travaux d\u2019am\u00e9lioration de la performance \u00e9nerg\u00e9tique de votre logement. Il est accord\u00e9 sans condition de ressources, par les \u00e9tablissements de cr\u00e9dit qui ont sign\u00e9 une convention avec l\u2019\u00c9tat, sous r\u00e9serve que le logement dans lequel sont r\u00e9alis\u00e9s les travaux soit occup\u00e9 \u00e0 titre de r\u00e9sidence principale.<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-fbf-black-color has-common-insert-grey-background-color has-text-color has-background wp-block-paragraph\"><strong>Attention\u00a0<\/strong>: face \u00e0 un afflux des demandes et pour garantir un dispositif fiable et de qualit\u00e9, le d\u00e9p\u00f4t de nouveaux dossiers MaPrimeR\u00e9nov' (r\u00e9novation \u00e9nerg\u00e9tique d'ampleur et r\u00e9novation \u00e9nerg\u00e9tique par geste) sera ferm\u00e9 temporairement \u00e0 compter du 1er juillet 2025. Les dossiers, complets et de qualit\u00e9, d\u00e9pos\u00e9s avant le 1<sup>er<\/sup> juillet 2025 pourront donc \u00eatre instruits. MaPrimeAdapt', MaPrimeR\u00e9nov Copropri\u00e9t\u00e9 et MaPrimeLogementD\u00e9cent ne sont pas suspendus.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div class=\"wp-block-image\"><figure data-wp-interactive=\"cdb\/lightbox\" class=\"aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" aria-haspopup=\"dialog\" data-wp-on--click=\"actions.open\" data-wp-on--keydown=\"actions.key\" role=\"button\" tabindex=\"0\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/04\/Vignette-1-Eco-PTZ.png\" alt=\"\" class=\"wp-image-35294\" width=\"322\" height=\"452\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/04\/Vignette-1-Eco-PTZ.png 643w, https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/04\/Vignette-1-Eco-PTZ-214x300.png 214w, https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/04\/Vignette-1-Eco-PTZ-57x80.png 57w, https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/04\/Vignette-1-Eco-PTZ-335x470.png 335w, https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/04\/Vignette-1-Eco-PTZ-178x250.png 178w, https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/04\/Vignette-1-Eco-PTZ-36x50.png 36w, https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/04\/Vignette-1-Eco-PTZ-550x772.png 550w\" sizes=\"auto, (max-width: 322px) 100vw, 322px\" \/><\/figure><\/div>\n\n\n<div class=\"postAttachment\"><div class=\"postAttachment__wrapper\"><div class=\"postAttachment__info\"><p class=\"postAttachment__name\">Guide-climat-01-Eco-PTZ<\/p><p class=\"postAttachment__fileSize\">283,3 Ko<\/p><\/div><a class=\"postActions__action postActions__action--big clickEvent postAttachement_link\" data-wp-interactive=\"fbf\/tracking\" data-wp-context=\"{&quot;category&quot;:&quot;file&quot;,&quot;action&quot;:&quot;download&quot;,&quot;label&quot;:&quot;Guide-climat-01-Eco-PTZ&quot;}\" data-wp-on--click=\"actions.push\" data-eventcategory=\"file\" data-eventaction=\"download\" data-eventlabel=\"Guide-climat-01-Eco-PTZ\" href=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/04\/Guide-climat-01-Eco-PTZ.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"postActions__label\">T\u00e9l\u00e9charger Guide-climat-01-Eco-PTZ<\/span><svg role=\"presentation\" class=\"postActions__icon\" width=\"14\"><use href=\"#download\" xlink:href=\"#download\"\/><\/svg><\/a><\/div><\/div>\n\n\n<h3 class=\"wp-block-heading\">En quoi consiste l\u2019\u00e9co-PTZ ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019\u00e9co-PTZ est :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>destin\u00e9 \u00e0 <strong>financer un ensemble de travaux d\u2019am\u00e9lioration de la performance \u00e9nerg\u00e9tique du logement<\/strong> ;<\/li><li>accord\u00e9 pour un montant maximum, selon les travaux de <strong>7 000 \u00e0 50 000 \u20ac<\/strong> ;<\/li><li>remboursable <strong>sur 15 ans maximum<\/strong>, ou 20 ans sous conditions.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ce pr\u00eat est accessible,<strong> sans condition de ressources<\/strong>, au propri\u00e9taire, occupant ou bailleur, d\u2019une maison individuelle ou d\u2019un appartement en copropri\u00e9t\u00e9. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le logement doit \u00eatre occup\u00e9 \u00e0 titre de <strong>r\u00e9sidence principale<\/strong>, par vous-m\u00eame ou votre locataire, et \u00eatre achev\u00e9 depuis plus de 2 ans.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Pour quels types de travaux  ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019\u00e9co-PTZ peut financer 3 types de travaux (d\u00e9finis par d\u00e9cret) :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>la <strong>r\u00e9novation ponctuelle<\/strong> pour am\u00e9liorer la performance \u00e9nerg\u00e9tique du logement (par ex : l\u2019isolation de la toiture, des fen\u00eatres et portes ext\u00e9rieures, changement de chauffage) ;<\/li><li>la <strong>r\u00e9novation globale<\/strong> permettant d\u2019atteindre une performance \u00e9nerg\u00e9tique globale minimum et \u00e0 partir du 1er juillet 2025, l\u2019audit \u00e9nerg\u00e9tique devra aussi d\u00e9montrer un gain d'au moins deux classes sur le DPE ;<\/li><li>la r\u00e9habilitation des syst\u00e8mes d\u2019<strong>assainissement<\/strong>.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019\u00e9co-PTZ peut \u00e9galement financer le reste \u00e0 charge de vos travaux si vous b\u00e9n\u00e9ficiez de l\u2019aide <a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/ma-prime-renov-renovation-energetique\/\" target=\"_blank\" rel=\"noreferrer noopener\">MaPrimeR\u00e9nov\u2019<\/a>.<br>\u00c0 partir du 1er juillet 2025, les travaux \u00e9ligibles \u00e0 ces deux dispositifs seront identiques. Les travaux doivent \u00eatre r\u00e9alis\u00e9s par un <a href=\"https:\/\/france-renov.gouv.fr\/annuaires-professionnels\/artisan-rge-architecte\" target=\"_blank\" rel=\"noreferrer noopener\">professionnel reconnu garant de l\u2019environnement<\/a> - RGE.<br><\/p>\n\n\n\n<p class=\"has-common-insert-grey-background-color has-background wp-block-paragraph\">L\u2019\u00e9co-PTZ est aussi accessible dans les d\u00e9partements et r\u00e9gions d\u2019outre-mer (DROM). Cependant, les travaux et \u00e9quipements \u00e9ligibles sont diff\u00e9rents pour s\u2019adapter aux conditions climatiques locales.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comment se lancer dans les travaux ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le plus simple est de contacter <strong>France R\u00e9nov\u2019<\/strong>, le service public de la r\u00e9novation de l\u2019habitat.<br>En amont des travaux, vous b\u00e9n\u00e9ficierez de conseils neutres et gratuits pour :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>r\u00e9aliser vos travaux dans les meilleurs conditions ;<\/li><li>mobiliser les aides et les financements dont vous avez besoin.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-common-insert-grey-background-color has-background wp-block-paragraph\">Pour trouver le conseiller le plus proche de chez vous et obtenir les informations n\u00e9cessaires pour bien d\u00e9marrer votre projet, rendez-vous sur <a href=\"https:\/\/france-renov.gouv.fr\/\" target=\"_blank\" rel=\"noreferrer noopener\">france-renov.gouv.fr<\/a>.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Lire la suite du guide \"l'\u00e9co-pr\u00eat \u00e0 taux z\u00e9ro ou \u00e9co-PTZ\" :<\/h4>\n\n\n\n<ul class=\"wp-block-list\"><li>En quoi consiste l\u2019\u00e9co-PTZ ?<\/li><li>Pour quels types de travaux  ?<\/li><li>Comment se lancer dans les travaux ?<\/li><li>Comment b\u00e9n\u00e9ficier d'un \u00e9co-PTZ ?<\/li><li>Quelles sont les modalit\u00e9s du pr\u00eat ?<\/li><li>Peut-on le cumuler avec d'autres financements et aides ?<\/li><li>Et si je suis en copropri\u00e9t\u00e9 ?<\/li><li>L'essentiel<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div class=\"wp-block-buttons aligncenter is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-outline is-style-outline--1\"><a class=\"wp-block-button__link\" href=\"https:\/\/www.calameo.com\/read\/002024705f66acd2628fc\" target=\"_blank\" rel=\"noreferrer noopener\">Feuilleter le guide<\/a><\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-common-insert-grey-background-color has-background wp-block-paragraph\"><strong>Vous \u00eates travailleur social ? <\/strong>Nous vous proposons ce flyer (\u00e0 imprimer par vos soins) pour remettre aux publics que vous accompagnez. Il pr\u00e9sente rapidement le sujet et contient un QR code permettant d'aller consulter le guide en ligne.<\/p>\n\n\n<div class=\"postAttachment\"><div class=\"postAttachment__wrapper\"><div class=\"postAttachment__info\"><p class=\"postAttachment__name\">Flyer-Eco-PTZ<\/p><p class=\"postAttachment__fileSize\">3,3 Mo<\/p><\/div><a class=\"postActions__action postActions__action--big clickEvent postAttachement_link\" data-wp-interactive=\"fbf\/tracking\" data-wp-context=\"{&quot;category&quot;:&quot;file&quot;,&quot;action&quot;:&quot;download&quot;,&quot;label&quot;:&quot;Flyer-Eco-PTZ&quot;}\" data-wp-on--click=\"actions.push\" data-eventcategory=\"file\" data-eventaction=\"download\" data-eventlabel=\"Flyer-Eco-PTZ\" href=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/04\/Flyer-Eco-PTZ.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"postActions__label\">T\u00e9l\u00e9charger Flyer-Eco-PTZ<\/span><svg role=\"presentation\" class=\"postActions__icon\" width=\"14\"><use href=\"#download\" xlink:href=\"#download\"\/><\/svg><\/a><\/div><\/div>\n\n\n<div style=\"height:52px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<div class=\"titleWithShadowText\">\n    <div class=\"titleWithShadowText__inner\">\n                <div class=\"titleWithShadowText__wrapper\">\n            <svg class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalLeft\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"239.12 0 188.4 666.65\"> <defs><clipPath id=\"a\"><path clip-rule=\"evenodd\" d=\"M500 0v500H0V0h500z\" \/><\/clipPath><\/defs><g clip-path=\"url(#a)\" transform=\"scale(1.3333)\"><path d=\"M319.23 500h0-139.882 0V0h1.468c0 79.482 64.304 108.12 73.914 180.986h0c9.61 72.865 2.476 64.708 11.96 136.62h0c9.485 71.911 31.518 80.281 44.568 116.901h0c8.7 24.413 11.357 46.244 7.972 65.493z\" fill-rule=\"evenodd\" \/><\/g><\/svg><svg class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalRight\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 289 1024\"><path d=\"M2.514 1024h286.478V0h-3.006c0 162.779-131.695 221.43-151.376 370.659-19.681 149.228-5.071 132.522-24.494 279.798C90.691 797.731 45.567 814.872 18.841 889.87 1.023 939.868-4.418 984.578 2.514 1024z\" \/><\/svg><div class=\"titleWithShadowText__textWrapper\">\n                <h4 class=\"titleWithShadowText__title\">\n                    Autres guides                                    <\/h4>\n                                <span role=\"presentation\" class=\"titleWithShadowText__shadow\">Autres guides<\/span>\n                                                            <\/div>\n        <\/div>\n            <\/div>\n<div role=\"presentation\" class=\"titleWithShadowText__wave titleWithShadowText__wave--ie\"><\/div><svg class=\"titleWithShadowText__wave titleWithShadowText__wave--horizontal\" viewbox=\"0 0 35171 2240\"><use xlink:href=\"#wave\" href=\"#wave\"><\/use><\/svg><\/div>\n        \n\n<div 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class=\"publication__extract\">Les v\u00e9hicules propos\u00e9s sont de de moins en moins polluants. 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