Renovate your home with our home improvement loan
Choose your project!
The Sodefina 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 Sodefina 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.
Sodefina 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.
Still not sure?
Sodefina helps you find the credit that's truly right for you.
The home improvement loan
To renovate your home
- Between €1,000 and €75,000
- Up to 120 months for energy projects
- Combinable with MaPrimeRénov', CEE, éco-PTZ
- Funds paid directly to the contractor
The personal loan
A loan suited to all your projects
- Between €3,000 and €75,000
- From 6 to 180 months
- Paid into your account, no proof of purchase required
- Fixed monthly payments throughout the term
Our benefits
Simplicity
Simulate and get your loan 100% online, from any device.
Speed
Instant preliminary decision and final answer within 24 business hours.
Security
Qualified electronic signature and protected data at every step.
Required documents
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 Sodefina, 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 Sodefina 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%.