{"id":1956,"date":"2025-05-16T10:06:45","date_gmt":"2025-05-16T08:06:45","guid":{"rendered":"https:\/\/www.locservice.fr\/guides\/?p=1956"},"modified":"2026-01-02T11:14:08","modified_gmt":"2026-01-02T10:14:08","slug":"eco-ptz","status":"publish","type":"post","link":"https:\/\/www.locservice.fr\/guides\/guide-proprietaire\/aides-renovation-energetique\/eco-ptz","title":{"rendered":"\u00c9co-PTZ : Un pr\u00eat \u00e0 0% pour financer votre r\u00e9novation \u00e9nerg\u00e9tique"},"content":{"rendered":"\n<p class=\"a-retenir\">L\u2019\u00e9co-PTZ est un pr\u00eat sans int\u00e9r\u00eats permettant de financer des travaux de r\u00e9novation \u00e9nerg\u00e9tique. Il est ouvert aux propri\u00e9taires occupants et aux propri\u00e9taires bailleurs, sans condition de ressources.<\/p>\n\n\n\n<div id=\"div-gpt-ad-1534773938396-0\" style=\"text-align: center;\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">\ud83e\udd14 Qu&rsquo;est-ce que l\u2019\u00e9co-PTZ ?<\/h2>\n\n\n\n<p><strong><a href=\"https:\/\/www.locservice.fr\/actualites\/renovation-energetique-aides-pour-les-proprietaires-bailleurs-5612.html#3_Eco-Pret_a_Taux_Zero_Eco-PTZ\">L\u2019\u00e9co-PTZ<\/a><\/strong> (ou \u00e9co pr\u00eat \u00e0 taux z\u00e9ro) est un dispositif public qui permet de <strong>financer des travaux de r\u00e9novation \u00e9nerg\u00e9tique<\/strong> sans payer d\u2019int\u00e9r\u00eats (taux \u00e0 0%). Il s\u2019adresse aux propri\u00e9taires, qu\u2019ils habitent leur logement ou qu\u2019ils le mettent en location. C\u2019est une aide int\u00e9ressante pour <strong>am\u00e9liorer la performance \u00e9nerg\u00e9tique<\/strong> d\u2019un bien sans alourdir son budget. Accessible sous conditions, il est cumulable avec <strong><a href=\"https:\/\/www.locservice.fr\/guides\/guide-proprietaire\/aides-renovation-energetique\/maprimerenov\">MaPrimeR\u00e9nov\u2019<\/a><\/strong> et d\u2019autres aides. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\ud83d\udc64 Qui peut b\u00e9n\u00e9ficier de l\u2019\u00e9co-PTZ ?<\/h2>\n\n\n\n<p>L\u2019\u00e9co pr\u00eat PTZ est ouvert \u00e0 plusieurs profils :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Les propri\u00e9taires <strong>occupants<\/strong><\/li>\n\n\n\n<li>Les propri\u00e9taires <strong>bailleurs<\/strong>, qu\u2019ils mettent leur bien en location libre ou encadr\u00e9e<\/li>\n\n\n\n<li>Les <strong><a href=\"https:\/\/www.locservice.fr\/guides\/guide-proprietaire\/copropriete\">copropri\u00e9t\u00e9s<\/a><\/strong>, via un \u00e9co-PTZ collectif<\/li>\n<\/ul>\n\n\n\n<p>Les <strong>syndicats de copropri\u00e9t\u00e9<\/strong> peuvent aussi b\u00e9n\u00e9ficier d\u2019un \u00e9co-PTZ collectif pour financer des travaux dans les parties communes ou les \u00e9quipements communs.<\/p>\n\n\n\n<p>Le logement concern\u00e9 doit \u00eatre une <strong>r\u00e9sidence principale<\/strong> (actuelle ou future) situ\u00e9e en France et achev\u00e9e depuis <strong>plus de 2 ans<\/strong> \u00e0 la date de d\u00e9but des travaux.<\/p>\n\n\n\n<p>Il n\u2019y a <strong>aucune condition de ressources<\/strong>, ce qui rend ce pr\u00eat accessible \u00e0 un large public.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\ud83d\udee0\ufe0f Quels types de travaux sont \u00e9ligibles ?<\/h2>\n\n\n\n<p>Les travaux financ\u00e9s doivent viser une am\u00e9lioration de la performance \u00e9nerg\u00e9tique du logement. Trois grandes cat\u00e9gories sont pr\u00e9vues :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Un ou plusieurs <strong>travaux \u00e9ligibles<\/strong> (isolation, chauffage, fen\u00eatres, ventilation, etc.)<\/li>\n\n\n\n<li>Un <strong>bouquet de travaux<\/strong>, combinant plusieurs actions<\/li>\n\n\n\n<li>Une <strong>r\u00e9novation globale<\/strong>, permettant un gain \u00e9nerg\u00e9tique d\u2019au moins 35 % (cas de l\u2019\u00e9co-PTZ \u201cperformance \u00e9nerg\u00e9tique globale\u201d)<\/li>\n<\/ul>\n\n\n\n<p>Certains \u00e9quipements doivent obligatoirement \u00eatre fournis et pos\u00e9s par une <strong>entreprise RGE<\/strong> (Reconnue Garante de l\u2019Environnement).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Montants et dur\u00e9e du pr\u00eat<\/h3>\n\n\n\n<p>Le montant maximal de l\u2019\u00e9co-PTZ varie selon les travaux :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Jusqu\u2019\u00e0 <strong>15 000 \u20ac<\/strong> pour une <strong>action simple<\/strong> (par exemple l\u2019isolation des combles)<\/li>\n\n\n\n<li>Jusqu\u2019\u00e0 <strong>25 000 \u20ac<\/strong> pour un <strong>bouquet de deux travaux<\/strong><\/li>\n\n\n\n<li>Jusqu\u2019\u00e0 <strong>30 000 \u20ac<\/strong> pour un <strong>bouquet de trois travaux ou plus<\/strong><\/li>\n\n\n\n<li>Jusqu\u2019\u00e0 <strong>50 000 \u20ac<\/strong> pour une <strong>r\u00e9novation globale performante<\/strong><\/li>\n<\/ul>\n\n\n\n<p>La dur\u00e9e de remboursement peut aller <strong>jusqu\u2019\u00e0 20 ans<\/strong>, selon la nature des travaux. Il n\u2019y a aucun int\u00e9r\u00eat \u00e0 rembourser, car l\u2019\u00c9tat prend en charge les frais financiers.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\ud83d\udc40 C<strong>e qui change \u00e0 partir du 1er juillet 2025<\/strong> <\/h2>\n\n\n\n<p>Pour b\u00e9n\u00e9ficier d&rsquo;un Eco-PTZ \u00ab\u00a0r\u00e9novation globale\u00a0\u00bb (cf paragraphe ci-dessus), un audit \u00e9nerg\u00e9tique est n\u00e9cessaire afin de prouver que les travaux pr\u00e9vus permettent de gagner au moins deux classes dans le DPE. <\/p>\n\n\n\n<p class=\"has-border-color has-background\" style=\"border-color:#30a2ce;border-width:1px;background-color:#d2e8ef\">\u2139\ufe0f Besoin d&rsquo;un audit \u00e9nerg\u00e9tique ? LocService vous permet d&rsquo;obtenir une remise de 5 % sur votre prestation : <a href=\"https:\/\/bailleur.locservice.fr\/audit-energetic\"><strong>cliquez ici<\/strong><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\ud83d\udcdd Comment faire une demande d\u2019\u00e9co-PTZ ?<\/h2>\n\n\n\n<p>Voici les \u00e9tapes \u00e0 suivre pour obtenir un \u00e9co-PTZ :<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Faire r\u00e9aliser un <strong>devis<\/strong> par une entreprise RGE<\/li>\n\n\n\n<li>Remplir un <strong>formulaire <\/strong>de demande disponible aupr\u00e8s d&rsquo;une banque ayant sign\u00e9 une convention avec l\u2019\u00c9tat<\/li>\n\n\n\n<li>Joindre les <strong>justificatifs<\/strong> n\u00e9cessaires (devis, documents sur le logement, identit\u00e9, etc.)<\/li>\n\n\n\n<li>D\u00e9poser le <strong>dossier <\/strong>aupr\u00e8s de la banque<\/li>\n<\/ol>\n\n\n\n<p>Une fois le pr\u00eat accord\u00e9, l\u2019emprunteur dispose de <strong>3 ans pour r\u00e9aliser les travaux<\/strong>. \u00c0 l\u2019issue, il devra transmettre les justificatifs prouvant la bonne r\u00e9alisation du chantier.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">L&rsquo;\u00e9co-PTZ peut-il \u00eatre cumul\u00e9 avec d&rsquo;autres aides ?<\/h3>\n\n\n\n<p>Bonne nouvelle : l\u2019\u00e9co-PTZ est cumulable avec d\u2019autres dispositifs comme :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>MaPrimeR\u00e9nov\u2019<\/strong><\/li>\n\n\n\n<li><strong>Les aides des collectivit\u00e9s locales<\/strong><\/li>\n\n\n\n<li><strong><a href=\"https:\/\/www.locservice.fr\/actualites\/renovation-energetique-aides-pour-les-proprietaires-bailleurs-5612.html#4_Les_Certificats_drsquoEconomies_drsquoEnergie_CEE\">Les certificats d\u2019\u00e9conomies d\u2019\u00e9nergie (CEE)<\/a><\/strong><\/li>\n\n\n\n<li><strong><a href=\"https:\/\/www.locservice.fr\/actualites\/renovation-energetique-aides-pour-les-proprietaires-bailleurs-5612.html#2_La_TVA_a_55\">La TVA \u00e0 taux r\u00e9duit<\/a><\/strong><\/li>\n<\/ul>\n\n\n\n<p>Il est m\u00eame possible de demander un second \u00e9co-PTZ pour financer d\u2019autres travaux, dans la limite du plafond global de 50 000 \u20ac par logement.<\/p>\n\n\n\n<p>Ce cumul permet parfois de financer la <strong>totalit\u00e9 des travaux<\/strong>, ce qui repr\u00e9sente un argument fort pour convaincre les porteurs de projet.<\/p>\n\n\n\n<p class=\"has-border-color has-background\" style=\"border-color:#30a2ce;border-width:1px;background-color:#d2e8ef\">\u2139\ufe0f Une fois votre bien r\u00e9nov\u00e9,<a href=\"https:\/\/www.locservice.fr\/proprietaires\/\"> inscrivez-le sur LocService.fr<\/a> pour trouver gratuitement vos nouveaux locataires !&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\ud83c\udfe0 Et pour les propri\u00e9taires bailleurs ?<\/h2>\n\n\n\n<p>L\u2019\u00e9co-PTZ n\u2019est pas r\u00e9serv\u00e9 aux occupants : les propri\u00e9taires qui louent leur logement peuvent aussi en b\u00e9n\u00e9ficier, \u00e0 condition que le bien soit lou\u00e9 en tant que <strong>r\u00e9sidence principale<\/strong>. Le dispositif s\u2019adapte donc bien aux projets de r\u00e9novation dans un objectif locatif, ce qui permet :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>De <strong>valoriser <\/strong>le bien<\/li>\n\n\n\n<li>De <strong>r\u00e9duire <\/strong>les charges \u00e9nerg\u00e9tiques du locataire<\/li>\n\n\n\n<li>De <strong>r\u00e9pondre <\/strong>aux nouvelles exigences du <strong><a href=\"https:\/\/www.locservice.fr\/guides\/guide-proprietaire\/mettre-son-logement-location\/dpe-location\">diagnostic de performance \u00e9nerg\u00e9tique (DPE)<\/a><\/strong><\/li>\n<\/ul>\n\n\n\n<p>C\u2019est un vrai levier pour <strong>anticiper les obligations \u00e0 venir<\/strong>, notamment l\u2019interdiction progressive de location des passoires \u00e9nerg\u00e9tiques.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u2705 Pourquoi l\u2019\u00e9co-PTZ est un bon plan ?<\/h2>\n\n\n\n<p>Au-del\u00e0 d\u2019un simple pr\u00eat, l\u2019\u00e9co-PTZ permet :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>De r\u00e9nover son logement <strong>sans avancer de tr\u00e9sorerie<\/strong> importante<\/li>\n\n\n\n<li>De <strong>diminuer ses factures d\u2019\u00e9nergie<\/strong> \u00e0 long terme (exemple : une facture de chauffage passant de 1 800 \u20ac \u00e0 1 100 \u20ac par an apr\u00e8s travaux)<\/li>\n\n\n\n<li>De <strong>valoriser son bien<\/strong> immobilier sur le march\u00e9<\/li>\n\n\n\n<li>De rendre son logement <strong>plus confortable<\/strong> (meilleure isolation, moins d\u2019humidit\u00e9, etc.)<\/li>\n<\/ul>\n\n\n\n<p>Pour les bailleurs, c\u2019est aussi un moyen d\u2019anticiper les futures interdictions de location des logements mal class\u00e9s et d\u2019offrir \u00e0 leurs locataires un logement plus performant.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Tableau r\u00e9capitulatif<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Avantages de l\u2019\u00e9co-PTZ<\/th><th>Int\u00e9r\u00eat pour les bailleurs<\/th><\/tr><\/thead><tbody><tr><td>Financement sans int\u00e9r\u00eats jusqu\u2019\u00e0 50 000 \u20ac<\/td><td>Valorisation du bien mis en location<\/td><\/tr><tr><td>Pas de condition de ressources<\/td><td>R\u00e9duction des charges \u00e9nerg\u00e9tiques<\/td><\/tr><tr><td>Cumul possible avec MaPrimeR\u00e9nov\u2019 et autres<\/td><td>Am\u00e9lioration du DPE<\/td><\/tr><tr><td>Financement global possible gr\u00e2ce aux aides<\/td><td>Anticipation des interdictions de location<\/td><\/tr><tr><td>Remboursement sur 20 ans maximum<\/td><td>Meilleur confort pour les locataires<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">\u274c Les erreurs \u00e0 \u00e9viter<\/h2>\n\n\n\n<p>Pour maximiser vos chances d\u2019obtenir l\u2019\u00e9co-PTZ :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>V\u00e9rifiez bien que les travaux sont <strong>\u00e9ligibles<\/strong><\/li>\n\n\n\n<li>Passez imp\u00e9rativement par une <strong>entreprise RGE<\/strong><\/li>\n\n\n\n<li><strong>Respectez les d\u00e9lais<\/strong> : vous avez 3 ans pour achever les travaux apr\u00e8s l\u2019octroi du pr\u00eat<\/li>\n\n\n\n<li>N\u2019attendez pas le dernier moment : certaines banques peuvent mettre plusieurs semaines \u00e0 instruire le dossier<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">\ud83d\udca1 Astuce : Simulez votre projet avant de vous lancer<\/h2>\n\n\n\n<p id=\"a-retenir\">Avant de d\u00e9poser votre demande, pensez \u00e0 r\u00e9aliser une simulation avec un <strong>conseiller <\/strong>ou via un <strong>outil en ligne<\/strong>. Cela permet de conna\u00eetre le <strong>montant potentiel<\/strong> du pr\u00eat et de <strong>planifier vos travaux<\/strong> en cons\u00e9quence.<\/p>\n\n\n\n<p><\/p>\n<div style='text-align:left' class='yasr-auto-insert-visitor'><\/div>","protected":false},"excerpt":{"rendered":"<p>L\u2019\u00e9co-PTZ est un pr\u00eat sans int\u00e9r\u00eats permettant de financer des travaux de r\u00e9novation \u00e9nerg\u00e9tique. Il est ouvert aux propri\u00e9taires occupants [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":1958,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"yasr_overall_rating":0,"yasr_post_is_review":"","yasr_auto_insert_disabled":"","yasr_review_type":"","footnotes":""},"categories":[34],"tags":[],"class_list":["post-1956","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aides-renovation-energetique"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u00c9co-PTZ 2026 : Comment \u00e7a fonctionne, quelles conditions ?<\/title>\n<meta name=\"description\" content=\"L\u2019\u00e9co-PTZ est un pr\u00eat sans int\u00e9r\u00eats permettant de financer des travaux de r\u00e9novation \u00e9nerg\u00e9tique. Il est ouvert aux propri\u00e9taires occupants et aux propri\u00e9taires bailleurs, sans condition de ressources.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.locservice.fr\/guides\/guide-proprietaire\/aides-renovation-energetique\/eco-ptz\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u00c9co-PTZ 2026 : Comment \u00e7a fonctionne, quelles conditions ?\" \/>\n<meta property=\"og:description\" content=\"L\u2019\u00e9co-PTZ est un pr\u00eat sans int\u00e9r\u00eats permettant de financer des travaux de r\u00e9novation \u00e9nerg\u00e9tique. Il est ouvert aux propri\u00e9taires occupants et aux propri\u00e9taires bailleurs, sans condition de ressources.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.locservice.fr\/guides\/guide-proprietaire\/aides-renovation-energetique\/eco-ptz\" \/>\n<meta property=\"og:site_name\" content=\"Guides de la location\" \/>\n<meta property=\"article:published_time\" content=\"2025-05-16T08:06:45+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-02T10:14:08+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.locservice.fr\/guides\/wp-content\/uploads\/2025\/04\/ecological-notebook-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1706\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Ivan Thi\u00e9bault\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Ivan Thi\u00e9bault\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.locservice.fr\\\/guides\\\/guide-proprietaire\\\/aides-renovation-energetique\\\/eco-ptz#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.locservice.fr\\\/guides\\\/guide-proprietaire\\\/aides-renovation-energetique\\\/eco-ptz\"},\"author\":{\"name\":\"Ivan Thi\u00e9bault\",\"@id\":\"https:\\\/\\\/www.locservice.fr\\\/guides\\\/#\\\/schema\\\/person\\\/d9649034c00ccedbece586acf36182b2\"},\"headline\":\"\u00c9co-PTZ : Un pr\u00eat \u00e0 0% pour financer votre r\u00e9novation \u00e9nerg\u00e9tique\",\"datePublished\":\"2025-05-16T08:06:45+00:00\",\"dateModified\":\"2026-01-02T10:14:08+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.locservice.fr\\\/guides\\\/guide-proprietaire\\\/aides-renovation-energetique\\\/eco-ptz\"},\"wordCount\":1054,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/www.locservice.fr\\\/guides\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.locservice.fr\\\/guides\\\/guide-proprietaire\\\/aides-renovation-energetique\\\/eco-ptz#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.locservice.fr\\\/guides\\\/wp-content\\\/uploads\\\/2025\\\/04\\\/ecological-notebook-scaled.jpg\",\"articleSection\":[\"Aides \u00e0 la r\u00e9novation \u00e9nerg\u00e9tique\"],\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.locservice.fr\\\/guides\\\/guide-proprietaire\\\/aides-renovation-energetique\\\/eco-ptz#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.locservice.fr\\\/guides\\\/guide-proprietaire\\\/aides-renovation-energetique\\\/eco-ptz\",\"url\":\"https:\\\/\\\/www.locservice.fr\\\/guides\\\/guide-proprietaire\\\/aides-renovation-energetique\\\/eco-ptz\",\"name\":\"\u00c9co-PTZ 2026 : Comment \u00e7a fonctionne, quelles conditions ?\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.locservice.fr\\\/guides\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.locservice.fr\\\/guides\\\/guide-proprietaire\\\/aides-renovation-energetique\\\/eco-ptz#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.locservice.fr\\\/guides\\\/guide-proprietaire\\\/aides-renovation-energetique\\\/eco-ptz#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.locservice.fr\\\/guides\\\/wp-content\\\/uploads\\\/2025\\\/04\\\/ecological-notebook-scaled.jpg\",\"datePublished\":\"2025-05-16T08:06:45+00:00\",\"dateModified\":\"2026-01-02T10:14:08+00:00\",\"description\":\"L\u2019\u00e9co-PTZ est un pr\u00eat sans int\u00e9r\u00eats permettant de financer des travaux de r\u00e9novation \u00e9nerg\u00e9tique. Il est ouvert aux propri\u00e9taires occupants et aux propri\u00e9taires bailleurs, sans condition de ressources.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.locservice.fr\\\/guides\\\/guide-proprietaire\\\/aides-renovation-energetique\\\/eco-ptz#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.locservice.fr\\\/guides\\\/guide-proprietaire\\\/aides-renovation-energetique\\\/eco-ptz\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/www.locservice.fr\\\/guides\\\/guide-proprietaire\\\/aides-renovation-energetique\\\/eco-ptz#primaryimage\",\"url\":\"https:\\\/\\\/www.locservice.fr\\\/guides\\\/wp-content\\\/uploads\\\/2025\\\/04\\\/ecological-notebook-scaled.jpg\",\"contentUrl\":\"https:\\\/\\\/www.locservice.fr\\\/guides\\\/wp-content\\\/uploads\\\/2025\\\/04\\\/ecological-notebook-scaled.jpg\",\"width\":2560,\"height\":1706,\"caption\":\"\u00e9co-ptz\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.locservice.fr\\\/guides\\\/guide-proprietaire\\\/aides-renovation-energetique\\\/eco-ptz#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Tous les guides LocService\",\"item\":\"https:\\\/\\\/www.locservice.fr\\\/guides\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Guide Propri\u00e9taire\",\"item\":\"https:\\\/\\\/www.locservice.fr\\\/guides\\\/guide-proprietaire\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Aides \u00e0 la r\u00e9novation \u00e9nerg\u00e9tique\",\"item\":\"https:\\\/\\\/www.locservice.fr\\\/guides\\\/guide-proprietaire\\\/aides-renovation-energetique\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"\u00c9co-PTZ : Un pr\u00eat \u00e0 0% pour financer votre r\u00e9novation \u00e9nerg\u00e9tique\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.locservice.fr\\\/guides\\\/#website\",\"url\":\"https:\\\/\\\/www.locservice.fr\\\/guides\\\/\",\"name\":\"Les guides de la location et de la colocation\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.locservice.fr\\\/guides\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.locservice.fr\\\/guides\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.locservice.fr\\\/guides\\\/#organization\",\"name\":\"Les guides de la location et de la colocation\",\"url\":\"https:\\\/\\\/www.locservice.fr\\\/guides\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/www.locservice.fr\\\/guides\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.locservice.fr\\\/guides\\\/wp-content\\\/uploads\\\/2024\\\/12\\\/cropped-classic_hd.png\",\"contentUrl\":\"https:\\\/\\\/www.locservice.fr\\\/guides\\\/wp-content\\\/uploads\\\/2024\\\/12\\\/cropped-classic_hd.png\",\"width\":600,\"height\":121,\"caption\":\"Les guides de la location et de la colocation\"},\"image\":{\"@id\":\"https:\\\/\\\/www.locservice.fr\\\/guides\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.locservice.fr\\\/guides\\\/#\\\/schema\\\/person\\\/d9649034c00ccedbece586acf36182b2\",\"name\":\"Ivan Thi\u00e9bault\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/www.locservice.fr\\\/guides\\\/wp-content\\\/litespeed\\\/avatar\\\/0e2c93b955f9359d432ca2e43ce04587.jpg?ver=1777236133\",\"url\":\"https:\\\/\\\/www.locservice.fr\\\/guides\\\/wp-content\\\/litespeed\\\/avatar\\\/0e2c93b955f9359d432ca2e43ce04587.jpg?ver=1777236133\",\"contentUrl\":\"https:\\\/\\\/www.locservice.fr\\\/guides\\\/wp-content\\\/litespeed\\\/avatar\\\/0e2c93b955f9359d432ca2e43ce04587.jpg?ver=1777236133\",\"caption\":\"Ivan Thi\u00e9bault\"},\"description\":\"Autodidacte (et passionn\u00e9) de droit immobilier, Licence pro E-commerce, je suis responsable \u00e9ditorial, r\u00e9dacteur, SEO et data analyst chez LocService.fr depuis plus de 10 ans. Je suis l'auteur des Observatoires LocService du march\u00e9 locatif, et vous m'avez peut-\u00eatre d\u00e9j\u00e0 entendu (ou pas, si vous dormiez encore) dans des matinales TV\\\/radio pour les pr\u00e9senter.\",\"sameAs\":[\"https:\\\/\\\/www.locservice.fr\"],\"url\":\"https:\\\/\\\/www.locservice.fr\\\/guides\\\/author\\\/ivan\"},false]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"\u00c9co-PTZ 2026 : Comment \u00e7a fonctionne, quelles conditions ?","description":"L\u2019\u00e9co-PTZ est un pr\u00eat sans int\u00e9r\u00eats permettant de financer des travaux de r\u00e9novation \u00e9nerg\u00e9tique. Il est ouvert aux propri\u00e9taires occupants et aux propri\u00e9taires bailleurs, sans condition de ressources.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.locservice.fr\/guides\/guide-proprietaire\/aides-renovation-energetique\/eco-ptz","og_locale":"fr_FR","og_type":"article","og_title":"\u00c9co-PTZ 2026 : Comment \u00e7a fonctionne, quelles conditions ?","og_description":"L\u2019\u00e9co-PTZ est un pr\u00eat sans int\u00e9r\u00eats permettant de financer des travaux de r\u00e9novation \u00e9nerg\u00e9tique. Il est ouvert aux propri\u00e9taires occupants et aux propri\u00e9taires bailleurs, sans condition de ressources.","og_url":"https:\/\/www.locservice.fr\/guides\/guide-proprietaire\/aides-renovation-energetique\/eco-ptz","og_site_name":"Guides de la location","article_published_time":"2025-05-16T08:06:45+00:00","article_modified_time":"2026-01-02T10:14:08+00:00","og_image":[{"width":2560,"height":1706,"url":"https:\/\/www.locservice.fr\/guides\/wp-content\/uploads\/2025\/04\/ecological-notebook-scaled.jpg","type":"image\/jpeg"}],"author":"Ivan Thi\u00e9bault","twitter_card":"summary_large_image","twitter_misc":{"\u00c9crit par":"Ivan Thi\u00e9bault","Dur\u00e9e de lecture estim\u00e9e":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.locservice.fr\/guides\/guide-proprietaire\/aides-renovation-energetique\/eco-ptz#article","isPartOf":{"@id":"https:\/\/www.locservice.fr\/guides\/guide-proprietaire\/aides-renovation-energetique\/eco-ptz"},"author":{"name":"Ivan Thi\u00e9bault","@id":"https:\/\/www.locservice.fr\/guides\/#\/schema\/person\/d9649034c00ccedbece586acf36182b2"},"headline":"\u00c9co-PTZ : Un pr\u00eat \u00e0 0% pour financer votre r\u00e9novation \u00e9nerg\u00e9tique","datePublished":"2025-05-16T08:06:45+00:00","dateModified":"2026-01-02T10:14:08+00:00","mainEntityOfPage":{"@id":"https:\/\/www.locservice.fr\/guides\/guide-proprietaire\/aides-renovation-energetique\/eco-ptz"},"wordCount":1054,"commentCount":0,"publisher":{"@id":"https:\/\/www.locservice.fr\/guides\/#organization"},"image":{"@id":"https:\/\/www.locservice.fr\/guides\/guide-proprietaire\/aides-renovation-energetique\/eco-ptz#primaryimage"},"thumbnailUrl":"https:\/\/www.locservice.fr\/guides\/wp-content\/uploads\/2025\/04\/ecological-notebook-scaled.jpg","articleSection":["Aides \u00e0 la r\u00e9novation \u00e9nerg\u00e9tique"],"inLanguage":"fr-FR","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.locservice.fr\/guides\/guide-proprietaire\/aides-renovation-energetique\/eco-ptz#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.locservice.fr\/guides\/guide-proprietaire\/aides-renovation-energetique\/eco-ptz","url":"https:\/\/www.locservice.fr\/guides\/guide-proprietaire\/aides-renovation-energetique\/eco-ptz","name":"\u00c9co-PTZ 2026 : Comment \u00e7a fonctionne, quelles conditions ?","isPartOf":{"@id":"https:\/\/www.locservice.fr\/guides\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.locservice.fr\/guides\/guide-proprietaire\/aides-renovation-energetique\/eco-ptz#primaryimage"},"image":{"@id":"https:\/\/www.locservice.fr\/guides\/guide-proprietaire\/aides-renovation-energetique\/eco-ptz#primaryimage"},"thumbnailUrl":"https:\/\/www.locservice.fr\/guides\/wp-content\/uploads\/2025\/04\/ecological-notebook-scaled.jpg","datePublished":"2025-05-16T08:06:45+00:00","dateModified":"2026-01-02T10:14:08+00:00","description":"L\u2019\u00e9co-PTZ est un pr\u00eat sans int\u00e9r\u00eats permettant de financer des travaux de r\u00e9novation \u00e9nerg\u00e9tique. Il est ouvert aux propri\u00e9taires occupants et aux propri\u00e9taires bailleurs, sans condition de ressources.","breadcrumb":{"@id":"https:\/\/www.locservice.fr\/guides\/guide-proprietaire\/aides-renovation-energetique\/eco-ptz#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.locservice.fr\/guides\/guide-proprietaire\/aides-renovation-energetique\/eco-ptz"]}]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.locservice.fr\/guides\/guide-proprietaire\/aides-renovation-energetique\/eco-ptz#primaryimage","url":"https:\/\/www.locservice.fr\/guides\/wp-content\/uploads\/2025\/04\/ecological-notebook-scaled.jpg","contentUrl":"https:\/\/www.locservice.fr\/guides\/wp-content\/uploads\/2025\/04\/ecological-notebook-scaled.jpg","width":2560,"height":1706,"caption":"\u00e9co-ptz"},{"@type":"BreadcrumbList","@id":"https:\/\/www.locservice.fr\/guides\/guide-proprietaire\/aides-renovation-energetique\/eco-ptz#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Tous les guides LocService","item":"https:\/\/www.locservice.fr\/guides\/"},{"@type":"ListItem","position":2,"name":"Guide Propri\u00e9taire","item":"https:\/\/www.locservice.fr\/guides\/guide-proprietaire"},{"@type":"ListItem","position":3,"name":"Aides \u00e0 la r\u00e9novation \u00e9nerg\u00e9tique","item":"https:\/\/www.locservice.fr\/guides\/guide-proprietaire\/aides-renovation-energetique"},{"@type":"ListItem","position":4,"name":"\u00c9co-PTZ : Un pr\u00eat \u00e0 0% pour financer votre r\u00e9novation \u00e9nerg\u00e9tique"}]},{"@type":"WebSite","@id":"https:\/\/www.locservice.fr\/guides\/#website","url":"https:\/\/www.locservice.fr\/guides\/","name":"Les guides de la location et de la colocation","description":"","publisher":{"@id":"https:\/\/www.locservice.fr\/guides\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.locservice.fr\/guides\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Organization","@id":"https:\/\/www.locservice.fr\/guides\/#organization","name":"Les guides de la location et de la colocation","url":"https:\/\/www.locservice.fr\/guides\/","logo":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.locservice.fr\/guides\/#\/schema\/logo\/image\/","url":"https:\/\/www.locservice.fr\/guides\/wp-content\/uploads\/2024\/12\/cropped-classic_hd.png","contentUrl":"https:\/\/www.locservice.fr\/guides\/wp-content\/uploads\/2024\/12\/cropped-classic_hd.png","width":600,"height":121,"caption":"Les guides de la location et de la colocation"},"image":{"@id":"https:\/\/www.locservice.fr\/guides\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.locservice.fr\/guides\/#\/schema\/person\/d9649034c00ccedbece586acf36182b2","name":"Ivan Thi\u00e9bault","image":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.locservice.fr\/guides\/wp-content\/litespeed\/avatar\/0e2c93b955f9359d432ca2e43ce04587.jpg?ver=1777236133","url":"https:\/\/www.locservice.fr\/guides\/wp-content\/litespeed\/avatar\/0e2c93b955f9359d432ca2e43ce04587.jpg?ver=1777236133","contentUrl":"https:\/\/www.locservice.fr\/guides\/wp-content\/litespeed\/avatar\/0e2c93b955f9359d432ca2e43ce04587.jpg?ver=1777236133","caption":"Ivan Thi\u00e9bault"},"description":"Autodidacte (et passionn\u00e9) de droit immobilier, Licence pro E-commerce, je suis responsable \u00e9ditorial, r\u00e9dacteur, SEO et data analyst chez LocService.fr depuis plus de 10 ans. Je suis l'auteur des Observatoires LocService du march\u00e9 locatif, et vous m'avez peut-\u00eatre d\u00e9j\u00e0 entendu (ou pas, si vous dormiez encore) dans des matinales TV\/radio pour les pr\u00e9senter.","sameAs":["https:\/\/www.locservice.fr"],"url":"https:\/\/www.locservice.fr\/guides\/author\/ivan"},false]}},"yasr_visitor_votes":{"stars_attributes":{"read_only":false,"span_bottom":false},"number_of_votes":1,"sum_votes":3},"uagb_featured_image_src":{"full":["https:\/\/www.locservice.fr\/guides\/wp-content\/uploads\/2025\/04\/ecological-notebook-scaled.jpg",2560,1706,false],"thumbnail":["https:\/\/www.locservice.fr\/guides\/wp-content\/uploads\/2025\/04\/ecological-notebook-150x150.jpg",150,150,true],"medium":["https:\/\/www.locservice.fr\/guides\/wp-content\/uploads\/2025\/04\/ecological-notebook-300x200.jpg",300,200,true],"medium_large":["https:\/\/www.locservice.fr\/guides\/wp-content\/uploads\/2025\/04\/ecological-notebook-768x512.jpg",768,512,true],"large":["https:\/\/www.locservice.fr\/guides\/wp-content\/uploads\/2025\/04\/ecological-notebook-1024x683.jpg",1024,683,true],"1536x1536":["https:\/\/www.locservice.fr\/guides\/wp-content\/uploads\/2025\/04\/ecological-notebook-1536x1024.jpg",1536,1024,true],"2048x2048":["https:\/\/www.locservice.fr\/guides\/wp-content\/uploads\/2025\/04\/ecological-notebook-2048x1365.jpg",2048,1365,true]},"uagb_author_info":{"display_name":"Ivan Thi\u00e9bault","author_link":"https:\/\/www.locservice.fr\/guides\/author\/ivan"},"uagb_comment_info":1,"uagb_excerpt":"L\u2019\u00e9co-PTZ est un pr\u00eat sans int\u00e9r\u00eats permettant de financer des travaux de r\u00e9novation \u00e9nerg\u00e9tique. Il est ouvert aux propri\u00e9taires occupants [&hellip;]","_links":{"self":[{"href":"https:\/\/www.locservice.fr\/guides\/wp-json\/wp\/v2\/posts\/1956","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.locservice.fr\/guides\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.locservice.fr\/guides\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.locservice.fr\/guides\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.locservice.fr\/guides\/wp-json\/wp\/v2\/comments?post=1956"}],"version-history":[{"count":17,"href":"https:\/\/www.locservice.fr\/guides\/wp-json\/wp\/v2\/posts\/1956\/revisions"}],"predecessor-version":[{"id":2781,"href":"https:\/\/www.locservice.fr\/guides\/wp-json\/wp\/v2\/posts\/1956\/revisions\/2781"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.locservice.fr\/guides\/wp-json\/wp\/v2\/media\/1958"}],"wp:attachment":[{"href":"https:\/\/www.locservice.fr\/guides\/wp-json\/wp\/v2\/media?parent=1956"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.locservice.fr\/guides\/wp-json\/wp\/v2\/categories?post=1956"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.locservice.fr\/guides\/wp-json\/wp\/v2\/tags?post=1956"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}