A loan commits you and must be repaid. Check your repayment capacity before you commit.

Confort Habitat loan: online simulation

Benefit from a fixed rate starting from 3.48% for the renovation of your home through an EDF Energy Saving Partner

Renovate your home with the Confort Habitat loan

It is a loan reserved for owners to finance all renovation work . It allows you to improve and beautify your home by financing a change of kitchen, bathroom or any other renovation.

How to benefit from the Comfort Home Loan?

To qualify for funding, your facility must:

  • Be carried out by a Finance Studio Partner.

  • Concerning a primary or secondary residence that you own.

A simplified approach:

  • No action necessary for the individual. The Finance Studio Partner takes charge of the loan request.

  • No personal contribution, the individual repays the loan once the work is finished and compliant *.

* in accordance with the law

PCH example

If you borrow € 6,500 over 60 months at the fixed Global Effective Annual Rate of 3.48% (fixed borrowing rate of 3.42%)

You will reimburse 60 monthly payments of € 118.02 (excluding optional insurance) for a total amount due of € 7,081.20 (interest: € 581.20)

Monthly cost of the optional Death, Total and Irreversible Loss of autonomy insurance, total temporary incapacity for work (taken out with Cardif Life Insurance and Cardif various risk insurance) in addition to the amount of the monthly loan payment of € 9.52. Total cost of this optional insurance: € 571.20. Effective Annual Rate of this Insurance: 3.35%

Do you want to do a simulation?

The steps to take out a Confort Habitat loan

  1. 1

    You are doing work with an EDF Home Solutions Partner. You need a financing solution.

  2. 2
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    The partner presents Finance Studio loans to you and takes care of your file.

  3. 3

    As soon as your credit report is accepted by Finance Studio, your work can begin.

  4. 4

    Once the work is done, you repay your credit. *

Which facilities are affected?

The Confort Habitat loan will concern:

  • Frame treatment

  • Insulation

  • Garage door, gate, shutter

  • Heat pump

  • Facelift

  • Windows

  • Air conditioner

  • Kitchen, bathroom

  • Low temperature gas boiler

  • Pool, pool equipment

  • Big work

  • Veranda

  • etc ...

Note that some of this work, as soon as it is carried out as part of an energy renovation project, is eligible for the zero-rate eco-loan .

What are the conditions for obtaining this loan? What is the eligibility?

It is reserved for private owners, residents of mainland France (excluding Corsica and DOM-TOM).
The work must be carried out by a Finance Studio partner.

The advantages of taking out a Finance Studio loan

  • No administration fees

  • Depreciable loan with fixed monthly payment

  • Funding up to 100% of your project

  • Flexible approach: Finance Studio takes care of everything

  • Optional borrower insurance

  • Without change of bank

  • Without deposit or mortgage

* in accordance with the law

PCH offer

Accessory credit offer to a sale of € 5,001 to € 75,000 for a period of 10 to 140 months repayable at the fixed annual percentage rate of 3.48%. Conditions in force from 07/21/2020.

Subject to the study and acceptance of your file by Finance Studio. You have a right of withdrawal.

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Loan Insurance


The borrower insurance offered by Finance Studio helps protect you and your family.
Find out more about borrower insurance

EDF's Energy Saving Partner network

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Obtained by agreement with EDF and Finance Studio, the “ EDF Energy Saving Partner ” label is a guarantee of seriousness, reliability and trust.

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