Sign an éco-PTZ mandate online, in 2 minutes
Mandate granted to an RGE contractor or agreed operator to file the éco-PTZ (zero-interest energy-renovation loan) application with the partner bank, validate the works and release the loan. Compliant with article 244 quater U of the French Tax Code, Decree n° 2009-1135 of 22 September 2009 and the eIDAS Regulation — advanced signature recommended, 10-year archiving included.
- Legal framework
- Art. 244 quater U French Tax Code
- Signature level
- AES eIDAS recommended
- Legal archiving
- 10 years + loan term
What is an éco-PTZ mandate?
The éco-PTZ (éco-prêt à taux zéro) is a zero-interest loan to fund energy-renovation works, created by the 2009 finance act and codified at article 244 quater U of the French Tax Code. It can reach up to €50,000 for a full renovation and €30,000 for a works bundle, repayable over 15 to 20 years. The éco-PTZ mandate is granted either to the RGE contractor performing the works (as a "mandat-conseil" where they fill the CERFA form and certify eligibility), or to an agreed operator who centralises the journey for the beneficiary. The partner bank (BNP, Crédit Mutuel, Société Générale, Banque Postale, Crédit Agricole, etc.) then validates the file before releasing the funds. Since 2022, the "PTZ + MaPrimeRénov" path enables a unified simplified filing.
Why sign the éco-PTZ mandate electronically?
Accepted by partner banks since 2021
The main éco-PTZ-distributing banks (BNP Paribas, Crédit Agricole, Société Générale, Banque Postale, Crédit Mutuel, Caisse d'Épargne) accept mandates and CERFA forms signed at advanced level (AES eIDAS) since 2021. The French Treasury Directorate confirmed in 2023 the validity of such signatures for éco-PTZ file processing.
Multi-signer beneficiary + contractor + bank
The éco-PTZ file involves the borrower beneficiary, the RGE contractor certifying works eligibility ("borrower" form + "company" form), and the partner bank that processes. Our multi-signer flow handles these parties with individual SMS-OTP.
10-year archiving + loan term
Éco-PTZ file documents must be kept for 10 years (legal duration under the French Tax Code) and throughout the loan term (up to 20 years). Certyneo archives the signed mandate + eIDAS audit trail, accessible in one click for the tax authority or bank on audit.
eIDAS audit trail, court-admissible
Every mandate is delivered with a proof PDF: beneficiary + contractor + bank identities, qualified timestamp, SHA-256 hash, IP geolocation, SMS-OTP. Admissible in disputes over file compliance (non-compliant action, non-RGE subcontracting, false company certification).
Sign an éco-PTZ mandate in 4 steps
From the RGE contractor certification to loan release at the bank, the mandate secures the whole journey.
1. Prepare the mandate
Upload your template or start from one compliant with Decree n° 2009-1135: identity of beneficiary + RGE contractor + partner bank, eligible action(s), works amount and éco-PTZ requested, desired repayment term.
2. Add signers
Borrower beneficiary (and co-borrower if any) + RGE contractor for the "company" form + bank adviser for validation. Each receives a secure personalised link.
3. Choose the eIDAS level
Advanced signature (AES) accepted by partner banks: identity verification by SMS-OTP, unique per-signer certificate, qualified timestamp. Compliant with article 26 of the eIDAS Regulation and DGCCRF / ACPR requirements.
4. Sign, file at the bank, release the loan
Each signer signs from their phone. The mandate + éco-PTZ CERFA form are filed at the bank. Once the loan is released, the mandate is archived 10 years with its proof PDF, accessible anytime.
Frequently asked questions
- Can an éco-PTZ mandate be signed electronically?
- Yes — all éco-PTZ partner banks (BNP, Crédit Agricole, Société Générale, Banque Postale, Crédit Mutuel) accept electronic signature at advanced level (AES eIDAS) since 2021. Article 1366 of the French Civil Code + article L221-4 French Monetary and Financial Code guarantee the validity of bank contracts signed electronically, including the éco-PTZ CERFA form.
- Which works are éco-PTZ eligible?
- Works bundles or full renovation targeting measured energy gain: thermal insulation (walls, roof, floors), window replacement, low-carbon heating installation/replacement, solar DHW, energy audit (since 2022). All works must be performed by contractors holding the matching RGE certification.
- What is the maximum éco-PTZ amount?
- Up to €50,000 for a full renovation achieving at least 35% energy gain and reaching DPE class E or above (since 2022). €30,000 for a bundle of at least 3 works categories. €15,000 for 2 categories. €7,000 for a single category (roof, walls or windows). Repayable over 15 to 20 years interest-free.
- Can éco-PTZ + MaPrimeRénov' + CEE be combined?
- Yes — éco-PTZ + MaPrimeRénov' + CEE combination is explicitly provided for by regulation and constitutes the standard financing for a deep renovation. "PTZ + MaPrimeRénov" (since 2022) enables unified simplified filing. A tri-aid mandate is more efficient than three separate ones.
- Who can act as éco-PTZ mandate holder?
- Three categories: (1) the RGE contractor performing the works ("mandat-conseil"); (2) an operator agreed by the partner bank (energy broker, MAR for deep renovations); (3) a relative of the beneficiary by special power of attorney (rare in practice). Éco-PTZ has no "financial mandate holder" regime like MaPrimeRénov' — the loan is paid to the beneficiary.
- What is the RGE contractor's liability when signing the "company" form?
- The contractor takes on tax and civil liability by certifying that the works meet the technical characteristics required by article 244 quater U French Tax Code. False declaration exposes them to loan requalification (loss of interest-free status for the beneficiary) and tax sanctions. The eIDAS audit trail precisely traces when and how the contractor signed.
- Is éco-PTZ available for a co-ownership?
- Yes — the co-ownership éco-PTZ (2018 finance act) allows the union of co-owners to take out a collective éco-PTZ to fund works on common areas (façade insulation, roof, collective heating), up to €30,000 per lot. The mandate must be co-signed by the property manager after a general meeting vote. Our multi-signer flow handles this setup.
- Is the éco-PTZ mandate admissible to the bank and tax authority?
- Yes — advanced signature (AES) benefits from the reliability presumption of article 1367 of the French Civil Code. The bank accepts the AES mandate + eIDAS audit trail to process the file; in tax audits (DGFiP) or disputes over works eligibility, the eIDAS proof PDF is admissible and recognised.
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Sign your first éco-PTZ mandate online
Permanent free plan (5 envelopes / month), no credit card. Accepted by BNP, CA, SG, BP, CM. Compliant with art. 244 quater U French Tax Code and eIDAS. Audit trail and 10-year archiving included.