Français
Access your accounts
Internet Banking
From France : 0 810 815 819*
From Abroad : +33 1 55 69 74 54**
press 1 and then 3
Or request a call back from us
New to HSBC
How to open a bank account in France ?
* Cost of a local call from a fixed-line phone in France.
** Cost of a call from abroad.
Features
• Finance your energy savings projects with a loan linked to our Livret de Développement Durable.
• You borrow between € 3,000 and € 21,500 at a special rate over a period of 2 to 7 years(1).
• Your monthly payments are flexible and can be adjusted upwards or downwards to suit your needs(2).
• You have the option of deferring your first repayment by up to three months from the date your loan is set in motion.
• You benefit from a tax credit of15% to 50% depending on the fittings and the work carried out and subject to certain conditions.
(1) Subject to your application being approved. Borrowers benefit from a 7-day cooling-off period after taking out the loan (Article L.311-15 of the French Consumer Code).
(2) Subject to the terms of the loan offer.
• The Prêt Environnement Confiance
• Financing your energy savings projects
• Flexible monthly repayments
• See how it works with our example loan
• Tax credit
Prêt Environnement Confiance
The Prêt Environnement Confiance from HSBC France is designed for borrowers (both owners and those renting) that have energy savings projects for their homes. This highly advantageous loan is only granted for certain types of refurbishments carried out on the borrower's first or second home such as the installation of solar panels, insulated window shutters or low-temperature boilers.
The Prêt Environnement Confiance is linked to a Livret de Développement Durable, with the sums paid into the passbook account used to finance energy savings projects.
Financing your energy savings projects
The Prêt Environnement Confiance enables you to borrow between € 3,000 and € 21,500 at a special rate over 2 to 7 years(1).
Flexible monthly repayments
Your monthly repayments are flexible and can be adjusted upwards or downwards in line with your income(2).
For even greater flexibility, you can opt to defer your first repayment either in part or in full by up to 3 months, or to repay your loan early and at no extra charge.
See how it works with our example loan
For a personal loan of € 15,000 over 48 months, you repay € 340.70 a month (not including any insurance options), for a total cost of € 1473.60 which includes our fee of € 120. Fixed APR of 4.81%.
The monthly cost of the optional insurance(death, total and irreversible loss of autonomy) is € 6.50(for a 45-year-old borrower) and is added to the monthly salary of the credit. Conditions applying on 01/09/10(1).
Tax credit
Where projects involve the borrower's first home, the related costs may be eligible for a tax credit depending on the type of refurbishments and work carried out. The rate of a “sustainable development” tax credit is set at:
• 15% of the purchase price of a low-temperature boiler.
• 25% of the purchase price of a condensing boiler, solar insulation fittings and heating regulators. For income tax declared from 2006 onwards, a tax credit of 40% applies to work carried out on homes built before 1 January 1977 that is completed no later than 31 December of the second year following their acquisition.
• 25% of the cost of the materials needed to connect to a heating network and of rainwater recovery and treatment systems.
• 50% of the cost of renewable energy-producing equipment and heat pumps on income tax declared from 2006 onwards. The tax credit applies to the acquisition cost (including VAT) of the equipment specified on the invoice of the company that carried out the work.
Upper limits:
From 1 January, 2005 to 31 December, 2009, tax credits on eligible sustainable development costs are capped at:
• € 8,000 for persons who are single, widowed or divorced.
• € 16,000 for married couples or couples that have signed a PACS (French civil solidarity pact), plus € 400 per dependent. This increase is halved for children considered to be equally dependent on parents that are separated or divorced and who live part of the time with either parent.
The general conditions governing tax credits are available from your local branch.
(1) Subject to your application being approved. Borrowers benefit from a 7-day cooling-off period after taking out the loan (Article L.311-15 of the French Consumer Code).
(2) Subject to the terms of the loan offer.
