Faced with climate challenges and the sustained rise in energy costs, Sodefina has made supporting its clients' energy transition a priority. We believe that access to simple, fast financing is a decisive lever in helping households renovate their homes and durably reduce their energy consumption.
Our home improvement loan offer is specifically designed to finance energy renovation projects: thermal insulation, boiler or heating system replacement, installation of renewable energy equipment, improving a home's airtightness. These projects both reduce a home's environmental footprint and durably lower our clients' bills.
We give priority to financing projects eligible for public support schemes such as MaPrimeRénov' and Energy Saving Certificates (CEE). Our advisers help you identify the aid your project may qualify for and combine it with your Sodefina financing, in order to optimise the overall cost of your renovation.
Beyond financing our clients, Sodefina is committed to reducing the environmental footprint of its own activities: digitisation of files and electronic signatures, hosting our data in certified data centres that meet strict environmental standards, and raising our teams' awareness of energy transition issues. This approach is part of our broader CSR commitments.
Insulation is often the most effective lever for reducing a home's energy losses. Our home improvement loan can finance the insulation of lofts, walls (internal or external), and ground floors, as well as the replacement of windows with more efficient double or triple glazing.
We finance the replacement of old, energy-hungry boilers with more efficient equipment: heat pumps, condensing boilers, heating systems using renewable energy. This equipment significantly reduces energy consumption while improving a home's thermal comfort.
Our home improvement loan can also finance the installation of renewable energy equipment: photovoltaic or thermal solar panels, solar water heaters, or decentralised energy production systems, allowing our clients to reduce their dependence on fossil fuels.
Beyond insulation, airtightness is a key factor in a home's energy performance. We finance works aimed at reducing unwanted air infiltration, often combined with controlled mechanical ventilation (CMV) to ensure healthy air renewal.
MaPrimeRénov' is a public support scheme designed to finance home energy renovation works. Our advisers help you determine your eligibility for this scheme and combine its amount with your Sodefina financing, in order to reduce the remaining cost of your project.
The Energy Saving Certificates (CEE) scheme allows you to benefit from a bonus paid by energy suppliers in return for carrying out energy-saving works. This scheme can, under certain conditions, be combined with MaPrimeRénov' and our financing offer.
Our advisers help you build an optimised financing plan, combining the state aid you are eligible for with our home improvement loan, in order to minimise the amount to be financed and optimise the return on investment of your energy renovation project.
The energy performance certificate is often the starting point for an energy renovation project: it identifies the priority sources of energy loss in your home and helps guide the choice of the most relevant works to improve your energy rating.
Depending on the scale of your project and your budget, you can opt for a step-by-step renovation (a single type of work, for example replacing the boiler) or a full renovation, which combines several measures for optimal energy performance gains. Our home improvement loan offer adapts to both approaches.
An energy-renovated home generally sees its property value increase, due to the improvement in its energy rating and the reduction in running costs for future occupants. Energy renovation is therefore a dual-benefit investment: immediate comfort and increased property value.
Beyond comfort, the primary goal of an energy renovation project is the durable reduction of your energy bills. Depending on the scale of the works undertaken, the savings achieved can represent a significant share of your annual energy budget, contributing to the repayment of your financing over time.
Our advisers do not just finance your project: they also guide you on the right questions to ask the professionals carrying out your works, and help you structure your project over time if several types of work are planned.
A well-designed energy renovation improves home comfort in every season: better insulation against the cold in winter, but also better protection against summer overheating, an increasingly important issue in the context of climate change.
Sodefina has set itself the objective of increasing, year after year, the share of its financing dedicated to energy renovation, in line with Portuguese and European climate targets to reduce greenhouse gas emissions in the building sector.
Our environmental roadmap does not only concern financing our clients: it also includes reducing the footprint of our own operations, through the digitisation of our files, widespread electronic signatures, and hosting our data in infrastructure that meets strict environmental standards.
We regularly inform our clients about the concrete benefits of energy renovation, through educational content available on our site and personalised support from our advisers, in order to facilitate informed decision-making.
Our commitment to the energy transition is part of our broader CSR commitments, themselves aligned with the Crédit Agricole Group's environmental strategy on responsible finance and the energy transition.
You can now simulate the financing of your energy renovation project directly on our home improvement loan page, by entering the estimated amount of your works to get an initial monthly payment estimate.
An energy renovation project financed by Sodefina generally follows several steps: initial assessment, identification of available aid, financing simulation, preparation of the credit file, release of funds, then completion of the works by the professionals of your choice.
The building sector accounts for a significant share of energy consumption and greenhouse gas emissions in Europe. By facilitating access to energy renovation financing, Sodefina contributes, on its own scale, to the transformation of this sector towards more sustainable standards.
The energy transition of the European housing stock is a long-term undertaking. Sodefina intends to support its clients throughout this journey, continuously adapting its offer to regulatory and technological developments in the energy renovation sector.
Sodefina relies on the expertise and standards of the Crédit Agricole Group in financing the energy transition, an area in which the Group has long been committed at European level to both individuals and professionals.
Can I finance several types of work in a single application? Yes, our home improvement loan can cover a renovation project combining several elements.
Do I need to have already obtained my state aid before applying? No, our advisers can support you in building your financing plan alongside your aid applications.
Is the home improvement loan reserved for homeowners? It is mainly intended for owner-occupiers or landlords carrying out works on their property.
To find out more, see our home improvement loan page to simulate your financing, or our CSR commitments page to discover our full social responsibility approach.
Our specialist advisers are available to support you in defining and financing your energy renovation project. Contact us via our contact form (Mon-Fri 8:30 a.m.-7:30 p.m., Sat 8:30 a.m.-5:00 p.m.).
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Simulate your project in a few clicks — simple and commitment-free!
Personal loan of 5,000 €
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(1) Excluding optional insurance. Indicative simulation. Subject to acceptance. Indicative fixed APR. Credit is a commitment and must be repaid. Check your repayment capacity before taking out a loan.
Simulate your project in a few clicks — simple and commitment-free!
Personal loan of 5,000 €
The optional monthly insurance premium is 0.70% of the outstanding balance. The first premium is the highest. Check your eligibility.