The Government definitively adopted, this Thursday, its new renovation support scheme. From 1 October 2026, regional aid will take the form of loans, the terms of which will be adapted to applicants' income. These will be conditional on achieving a result in terms of energy savings generated by the works. Less energy-efficient homes will be targeted. The objective? To eliminate energy-guzzling homes.
From 1 October, regional aid will take the form of loans whose terms will be adapted to applicants' income and conditional on achieving a result in terms of energy savings generated by the works.
Support will aim for a “label jump” and will target homes with the poorest energy performance, namely homes:
- with a PEB label G or F, where the planned works will achieve at least label D, i.e. specific consumption of 340 kWh/m² per year or less;
- with a PEB label E, where the planned works will achieve at least label C, i.e. specific consumption of 255 kWh/m² per year or less.
The objective? To eliminate energy-guzzling homes, while also addressing compliance in terms of health and safety standards.
Exemptions may be granted where achieving the required label is rendered impossible for duly justified technical, functional or economic reasons.
An enhanced offering built around assisted loans
The new scheme will be based on two products already well known in Wallonia: the Rénopack and the Rénoprêt.
- The Rénopack is an interest-free loan combined, depending on household income, with a reduction in the amount to be repaid. It will be accessible to owners in income categories C1, C2 and C3. The beneficiary must hold a real right over the property and commit to occupying it within 24 months of the loan being granted at the latest.
- The Rénoprêt, for its part, is a zero-rate or preferential-rate loan compared to market conditions (banks), determined according to the nature of the works (disability adaptation, flooding, etc.), the applicant's profile and income category. It will be accessible in particular to category C4 households, landlord-owners and co-owners' associations.
| Income category1 | Rate | Reduction in the amount to be repaid2 |
| C1 Up to €28,900 | 0 % | 50 % |
| C2 From €28,900.01 to €41,100 | 0 % | 40 % |
| C3 From €41,100.01 to €67,100 | 0 % | 15 % |
| C4 From €67,100.01 to €122,800 | Variable | 0 % |
1 Amounts indexed as at 1 January 2026. A reduction of €5,000 per dependant will also be applied to the amount of taxable income.
2 Including a 5% increase for the use of eco-materials.
The household's situation and the number of dependants will be taken into account on the date the credit application form is received.
The amount that can be borrowed will be increased to €75,000 for a single-family home, compared with €60,000 currently.
Financing will be calculated globally across all eligible works in the renovation project, rather than separately for each item.
Multiple-property owners will not be eligible for the Rénopack.
An audit prior to the works
Carrying out an audit beforehand will make it possible to determine the property's PEB label, identify the works required in terms of safety, health and energy performance, and organise the various stages of the project. The housing audit will be among the investments eligible for financing.
The audit report must have been drawn up or updated no more than one year before the application is submitted.
In the absence of a recent audit, the PEB label may be estimated as part of the assessment carried out by the lending body for category C1 applicants. This option will also be available to households submitting a Rénopack application and an Accesspack application simultaneously.
Conditions adapted for apartments and co-ownerships
Apartments and co-ownerships are also covered. For works carried out in private areas, each dwelling will be able to benefit from financing in the form of a Rénopack or a Rénoprêt of up to €60,000.
For works carried out in common areas, co-owners' associations will be able to benefit from a zero-rate Rénoprêt of up to €60,000 per dwelling, with an overall ceiling of:
- €600,000 for co-ownerships with fewer than 20 units;
- €750,000 for co-ownerships with at least 20 units.
The works will need to be based on an audit specific to the apartment building and comply with the recommendations made therein.
A closed annual envelope
With regard to financing, lending bodies will operate within the limits of a closed annual envelope. Its amount will be set each year in the budget decree submitted to the Walloon Parliament.
This mechanism will help guarantee the scheme's budgetary sustainability.
Control mechanisms will also be strengthened to prevent abuse.
Progressively strengthened support
From 1 October 2026, the scheme will rely on existing services, including the Guichets Énergie Wallonie, the Espaces Wallonie, local energy renovation platforms, the Société wallonne du Crédit social (SWCS) and the Fonds du Logement de Wallonie (FLW).
The applicant's journey will be gradually organised around three levels of support:
- Level 1: information and initial advice;
- Level 2: personalised support in preparing the project, finding financing and completing administrative procedures;
- Level 3: in-depth support that may include monitoring of the works.
From 1 January 2028, the future Walloon Housing Agency will oversee the scheme, with shared tools, an accreditation system for operators and enhanced territorial coverage.
Cécile Neven, Minister for Energy and Housing: “From 1 October, households applying for support for their renovation works will do so within a clear and predictable framework. We are choosing to concentrate public resources on the homes that consume the most and on renovations that achieve a genuine result in terms of energy gains. We are replacing a build-up of complex grants (more than 120 coexisting schemes) with a single, comprehensive and clearer type of financing (the loan), combined with strengthened support. This financing will also take practical realities into account: a home undergoing works cannot always be occupied immediately, an audit should not have to be redone unnecessarily, and certain constraints may prevent the theoretical label from being achieved. In short, our aim is to help more where the impact is greatest, while guaranteeing a financially sustainable scheme over the long term.”