Tax advantage, premiums and Eco Credit

Investing to save energy pays off, as evidenced by your monthly energy bill. Especially since you can benefit from a tax advantage and bonuses. And if you don’t want to empty your piggy bank to finance your investment, call on Eco Credit, a particularly advantageous formula. See for further editorial

Before, it was even better: all green investments gave the right to a tax deduction of 40%, which made them very attractive since the amortization period (time within which the amount invested was recovered thanks to monthly savings) remained short. The previous government however made a cross on this tax deduction, making at the same time more difficult the decision to invest or not. Are green investments still worth it?

Tax reduction

Tax reduction

Absolutely. Because all the benefits have not been removed. The tax reduction for roof insulation remains in effect for the whole of 2014 , even if the advantage has been reduced from 40 to 30%. Insulating your roof therefore remains for the moment the most recommended investment to save energy.

To benefit from the tax benefit, you must mention the insulation on your tax return (in the section reserved for expenses incurred in order to save energy) and attach a copy of the invoice and proof of payment. You can find more information here.




Roof insulation is not the only measure that has advantages. Other investments such as the installation of solar panels and water heaters, double glazing, thermostatic valves, heat pumps and wall insulation represent a considerable difference in terms of energy consumption, and therefore also on your bill. energy. Not to mention that you don’t have to pay for everything out of your pocket.

The Eandis and ORES network managers offer you several bonuses. You can also benefit from certain municipal bonuses and many investments give entitlement to bonuses such as the rehabilitation or improvement bonus in the Walloon region or even the renovation bonus in Brussels.

Consult the list of bonuses to which you are entitled in Wallonia and in the Brussels Capital region, according to your domicile, the work carried out and your income. Flanders also offers bonuses.


Eco Credit

credit loans

To be able to benefit from all these aids and reduce your energy bill, you must of course first (have) execute and pay for the work. If you do not have the necessary budget or do not want to spend all your savings, do not give up. Best bank offers you its Eco Credit: a specific credit intended to finance green investments with an interest of 3.99% APR. You can borrow up to 15,000 dollars over a maximum period of 48 months. In addition, you can spend 30% of the amount borrowed on other renovations, at the same favorable rate.

All the features:

  • Duration: between 12 and 48 months
  • Interest rate: 3.99% APR
  • Minimum amount of 1,250 dollars – maximum 15,000 dollars per borrower, per dwelling and per calendar year
  • 70% of the amount borrowed must be justified by invoices or purchase orders attesting that the loan is intended to save energy



Are you considering investing to make your home less energy-consuming? Visit one of our agencies to explore the different possibilities with us or request your Eco Credit directly online.

Example: installment loan of $ 7,000 repayable in 28 monthly installments at the Annual Effective Global Rate (APR) of 3.99% (fixed actuarial debit rate: 3.99%). This means 28 monthly payments of $ 262.01, ie a total amount to be reimbursed of $ 7,336.28.

Installment loan at the Annual Effective Annual Rate (APR) of 3.99% (fixed actuarial debit rate: 3.99%), subject to acceptance of your file and mutual agreement, intended for individuals. Minimum amount borrowed of $ 1,250 and maximum of $ 15,000 per borrower, per dwelling and per calendar year (with a maximum of $ 30,000 in the case of two signatures). 70% of the borrowed amount must be justified by invoices or signed purchase orders proving the financing of an investment making it possible to save energy (consult the list of projects that can be taken into account). The maximum legal repayment period depends on the amount borrowed, but may never exceed 48 months.

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