How to fund your air-to-water heat pump installation?
Renovating your home can improve comfort, help reduce energy consumption, and enhance the value of your property. To support homeowners with their renovation projects, several financial assistance schemes are available to help cover part of the investment required for energy renovation works.
Heat pumps, heat pump water heaters, insulation improvements, or whole-home renovations: depending on your situation and project, various financial assistance schemes may be available to help reduce the cost of the work.
To encourage homeowners to undertake renovation work, the government and various industry stakeholders offer funding schemes designed to support energy efficiency improvement projects.
These financial support schemes are designed in particular to:
MaPrimeRénov’
Les Certificats d’Économies d’Énergie (CEE)
CEE, also known as energy grants, are offered by energy suppliers and certain specialised organisations. They can help finance the replacement of an older heating system with a more efficient solution, such as a heat pump.
The eco-interest-free loan (eco-PTZ)
The eco-interest-free loan (eco-PTZ) is a financing solution that allows eligible energy renovation work to be carried out without paying interest on the borrowed amount. It can be used alongside other financial assistance schemes to help cover the remaining cost of your project.
Reduced-rate VAT
Under certain conditions, energy renovation work may qualify for a reduced VAT rate. This measure can help lower the overall cost of the project.
Local grants and incentives
Some local authorities offer additional financial assistance for energy renovation projects. Available schemes vary depending on the region, department, or municipality in which the property is located.
MaPrimeRénov’ is the French government’s main financial assistance scheme for supporting energy renovation projects. The installation of an WARMEO air-to-water heat pump may be eligible for this scheme, subject to the applicable requirements and provided that the work is carried out by a certified RGE professional.
MaPrimeRénov is available for :
Intended for targeted energy renovation work, this scheme can help finance the installation of an air-to-water heat pump. The amount of financial assistance available depends on the household’s income level and the specific characteristics of the project.
This pathway is intended for comprehensive renovation projects aimed at achieving a significant improvement in a home's energy performance. It requires dedicated support throughout the process and compliance with specific energy performance criteria.
The reduced VAT rate helps lower the cost of installing an air-to-water heat pump. Subject to certain conditions, energy efficiency improvement works may qualify for a reduced VAT rate of 5.5%, which is applied directly to the invoice issued by the company carrying out the work.
The reduced VAT rate is applied directly to the quotation and invoice issued by the contractor carrying out the work. No separate grant application is required. It can also be combined with other support schemes, such as MaPrimeRénov’, Energy Savings Certificates (CEE), and the eco-interest-free loan (eco-PTZ), subject to the applicable eligibility conditions.
Energy suppliers (electricity, gas or LPG, heating, cooling, domestic fuel oil, and vehicle fuels) may offer financial assistance to help you renovate your home.
This obligation is regulated by the State. The energy saving certificate scheme requires energy suppliers to promote effective energy saving measures among consumers. If they fail to meet their obligations, the government imposes heavy financial penalties.
The eco-interest-free loan (eco-PTZ) is a financing solution that allows energy renovation work to be carried out without paying interest on the borrowed amount. It can be used, in particular, to complement financial assistance received for the installation of an air-to-water heat pump.
Good to know
The eco-PTZ is not a grant: it is an interest-free loan designed to help finance renovation work.
Yes. Depending on your circumstances and the applicable eligibility criteria, the installation of a heat pump may qualify for several support schemes, including MaPrimeRénov’, Energy Savings Certificates (CEE), the eco-interest-free loan (Eco-PTZ), and the reduced VAT rate. Eligibility requirements, funding levels, and application procedures vary according to the scheme and may change over time.
Yes, some support schemes can be combined, subject to specific conditions. The rules governing the combination of grants vary depending on the schemes involved, the type of work carried out, and the household’s circumstances. In some cases, homeowners may be able to combine MaPrimeRénov’, Energy Savings Certificates (CEE), the reduced VAT rate, and the eco-interest-free loan (Eco-PTZ), helping to further reduce the overall cost of an energy renovation project.
Yes. Under certain conditions, heat pump water heaters may be eligible for energy renovation support schemes such as MaPrimeRénov’ and Energy Savings Certificates (CEE). Eligibility depends on factors such as the type of equipment installed, the characteristics of the property, and the applicable scheme requirements at the time the work is carried out.
No. In addition to national support schemes, some regions, departments, municipalities, and intermunicipal authorities offer local grants and incentives. The eligibility criteria, funding amounts, and application procedures vary depending on the local area and the specific scheme available.
Yes. Eligibility criteria, application procedures, and the amount of financial assistance available may change over time as a result of policy reforms and regulatory updates.
For some financial assistance schemes, the required applications must be completed before signing a quotation or starting the work. It is therefore recommended to check the applicable requirements before launching your project.
To qualify for many energy renovation grants, the work must generally be carried out by a company holding RGE certification (Recognised Guarantor of the Environment).
Government websites dedicated to energy renovation, as well as the France Rénov’ network, provide access to the latest official information on the financial assistance schemes currently available.
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