Renovation Grants in Wallonia 2026

The Rénopack and the Rénoprêt: The Main Scheme

The two loans replace the Housing Premiums, the audit premium and the roof and small works premiums. Support is no longer calculated item by item: it covers all the eligible works in the project.

How It Works

1. You have a housing audit carried out by an accredited auditor (mandatory)
2. The audit proposes the works that bring the home to the required EPC label
3. You request quotes and submit the loan application
4. The loan contract is signed, then the works start
5. With the Rénopack, part of the amount borrowed does not have to be repaid

Share Not Repaid by Income

Households are classified into 4 income categories. 5,000 euros per dependant is deducted from income before the category is set.

• Category C1 (income up to 28,900 euros): Rénopack at 0%, 45% of the loan not repaid (50% with eco-friendly materials)
• Category C2 (28,900 to 41,100 euros): Rénopack at 0%, 35% not repaid (40% with eco-friendly materials)
• Category C3 (41,100 to 67,100 euros): Rénopack at 0%, 10% not repaid (15% with eco-friendly materials)
• Category C4 (67,100 to 122,800 euros): Rénoprêt at a preferential rate, the whole loan is repaid

Above 122,800 euros of income, the scheme offers no loan. The exact Rénoprêt rate, the loan term and the minimum amount had not been published as of 22 October 2026.

Maximum Amounts

• House: up to 75,000 euros
• Apartment: up to 60,000 euros per unit
• Common parts of a co-ownership: 600,000 euros under 20 units, 750,000 euros above

Eligible Works

Roofing, roof, wall and floor insulation, windows and doors, low-carbon heating, hot water, ventilation, sun shading, electricity, gas, damp, dry rot, radon and structural stability. The audit and professional fees can also be included in the loan.

The Housing Audit: A Mandatory Step

The housing audit remains mandatory. It must be carried out or updated no more than one year before the loan application. The audit premium no longer exists, but the cost of the audit can be financed by the loan.

The audit also checks that the project targets the right label. The scheme is aimed at the least efficient homes:

• a home rated G or F must reach at least label D after the works;
• a home rated E must reach at least label C.

What Does the Audit Include?

• A complete diagnosis of the home's energy performance
• The recommended works, ranked in priority order
• A cost estimate and the expected energy savings
• The current EPC label and the target label after works

Find an accredited auditor on the SPW Energy website. Also check our EPC certificate guide to understand the implications of energy ratings.

Who Can Apply for the Rénopack or the Rénoprêt

• Owners of a home in Wallonia that is more than 15 years old.
• Households whose income, after deducting 5,000 euros per dependant, does not exceed 122,800 euros.
• Landlords and co-ownerships, through the Rénoprêt.

The loan is granted by the Société wallonne du Crédit social (SWCS). Households with more than 2 dependent children apply to the Fonds du Logement de Wallonie.

EPC Obligations in Wallonia

In 2026, Wallonia is progressively tightening its energy performance requirements:

• Since 2010 and 2011: the EPC certificate has been mandatory for the sale of houses since 1 June 2010, and for the sale and rental of all homes since 1 June 2011
• From 2026 to 2030: target to renovate the Walloon housing stock to an average EPC of C
• Renovation obligation on sale: for properties rated F or G, the buyer commits to carrying out improvement works within 5 years (draft legislation)

These obligations increase the discount on poorly rated properties. According to the Notary Barometer, a property with EPC G sells on average 15 to 20% cheaper than a property with EPC A or B, for comparable surface area and location.

Complementary Support

6% VAT

Renovating a private home that has been lived in for more than 10 years qualifies for 6% VAT instead of 21%, when the works are invoiced to the end consumer. Gas and oil boilers have been invoiced at 21% since 29 July 2025.

Tax Reduction for Roof Insulation

People domiciled in Wallonia keep a tax reduction of 30% of roof insulation costs, VAT included. The ceiling is 4,020 euros per home for 2025 expenses and 4,120 euros for 2026 expenses. The home must have been occupied for at least 5 years and the insulation fitted by a contractor.

Property Tax Reduction

Some Walloon municipalities offer a property tax reduction for renovated homes achieving a good EPC score. Check with your local municipal administration.

How to Check Which Support Applies to Your Project

Checking eligibility follows a set order: the region first, then the property, then income and works.

Following that order avoids building a file that fails on a condition set earlier in the chain.

• Confirm which region the property belongs to, since each one runs its own scheme and forms.
• Look at the home's EPC label: the Walloon scheme targets labels E, F and G.
• Place your income in a category, after the deduction per dependant.
• Have the audit carried out before ordering any work.
• Pay no deposit before the loan contract is signed.

To find your category quickly, use our subsidy simulator. The 6% VAT and the roof insulation tax reduction are each assessed on their own conditions.

How to Submit Your Loan Application

1. Find the EPC label on the home's EPC certificate
2. Get free help from a Guichet Énergie Wallonie or by calling 1718
3. Have the housing audit carried out before any work
4. Request quotes for the proposed works: they must be less than 6 months old when you apply
5. Submit the application to the SWCS through its Appi-crédit platform, or to the Fonds du Logement de Wallonie for large families
6. Wait for the contract to be signed before starting the works or paying a deposit

Mind the calendar: at the end of September 2026, the SWCS only accepted pre-registrations, which are not an official application. It expects the scheme to be fully operational in early 2027.

What Happens to Grant Files Submitted Before 30 September

A complete Housing Premium application, final invoice included, submitted by 30 September 2026 stays under the old scheme. On 24 September 2026 the Walloon Government confirmed that the temporary scheme of 14 February 2025 does not change for these applications. Follow-up is handled by SPW Logement.

Works that had not been invoiced and submitted by 30 September 2026 no longer qualify for a grant. For the works still to be done, the route is now the Rénopack or the Rénoprêt, under the conditions described above.

There is an exception for households that had committed to their works before 14 February 2025. With a quote dated and signed before that date, they will be able to claim the old grants until 30 September 2027, without the 20% deposit required before. This measure enters into force once published in the Belgian Official Gazette; until then, there is nothing to do.

Applying Outside Wallonia: Where Each Region Takes Your Request

Where you apply depends on the address of the property, not on your own address. Each Belgian region runs its own scheme, its own forms and its own calendar.

In Wallonia, the route described above applies: the housing audit first, then the loan application to the SWCS, before the works start.

In Flanders, the scheme is Mijn VerbouwPremie and the request goes to the Flemish administration. Since 1 March 2026, the two highest income categories can only claim the heat pump or the heat pump water heater, while the lower categories keep access to insulation, windows and roofing.

In Brussels, the Renolution grants are suspended: there is no grant for invoices from 2025 or 2026. The 2027 budget agreement announces a 0% loan for spring 2027, with amount and term not yet known.

One rule holds everywhere: the paperwork comes before the works, never after.

Complete Renovation Example with the Rénopack

Semi-Detached House in Liege, EPC G to EPC B

Planned works: roof insulation (8,000 euros), wall insulation (18,000 euros), window replacement (15,000 euros), heat pump (14,000 euros) and ventilation (6,000 euros). Total: 61,000 euros, below the 75,000 euro ceiling for a house.

• C1 household: 27,450 euros not repaid, 33,550 euros repaid at 0%
• C2 household: 21,350 euros not repaid, 39,650 euros repaid at 0%
• C3 household: 6,100 euros not repaid, 54,900 euros repaid at 0%
• C4 household: Rénoprêt of 61,000 euros, fully repaid at the preferential rate

With eco-friendly materials for all the insulation and windows, the share not repaid rises to 50%, 40% or 15%, that is 30,500, 24,400 or 9,150 euros. This calculation is an estimate: it assumes all these works are accepted after the audit. For more details on renovation costs, read our article on renovating an older property.

Practical Tips

• Always start with the audit: no audit less than one year old means no loan.
• Start nothing before signing: no works and no deposit before the loan contract.
• Target the right label: at least D if the home is rated G or F, at least C if it is rated E.
• Consider eco-friendly materials: they add 5 points to the share of the Rénopack that is not repaid.
• Keep your quotes recent: less than 6 months old when you apply.
• Keep all documents: audit report, quotes, loan contract, invoices and before and after photos.

FAQ

What are renovation subsidies?

They are public schemes that cover part of the cost of renovating an existing home, mainly works that improve its energy performance. In Belgium the regions grant them. In Wallonia, since 1 October 2026, this support takes the form of a loan, the Rénopack or the Rénoprêt, rather than a grant.

Do the Housing Premiums still exist in Wallonia?

No. Applications had to be filed, final invoice included, by 30 September 2026. Since 1 October 2026 the Region helps through a loan. Only households with a quote signed before 14 February 2025 will still be able to claim the old grants, until 30 September 2027, once the measure is published in the Belgian Official Gazette.

How much of the Rénopack does not have to be repaid?

45% for category C1, 35% for category C2 and 10% for category C3. Add 5 points if every roof, wall, floor and window job uses eco-friendly materials. Category C4 goes through the Rénoprêt, which is repaid in full.

Does renovation support exist outside Wallonia?

Yes. Each Belgian region runs its own renovation support, and the address of the property determines which one applies. An owner located outside Wallonia follows that region's own procedure.

How do I apply for renovation support in Belgium?

Start from the region where the property stands, because that region sets the procedure. In Wallonia, have the housing audit carried out first, request quotes, submit the loan application to the SWCS and wait for the contract to be signed before the works start. In Flanders and Brussels the scheme and the administration differ.