Green mortgage for an A/B-rated home
Borrow to buy or finance a home with energy rating A or B, with mortgage rates linked to how much of its value you borrow.
Tato příležitost je nyní dostupná v angličtině.
Marker og Eidsberg Sparebank offers a repayable mortgage for an energy-efficient home you own or plan to buy. The home must have energy rating A or B; the bank explains these ratings through features such as better insulation, windows and heating systems.
Published annual nominal rates start at 4.80% for borrowing within 55% of the home’s value, 5.05% within 75%, and 5.50% within 90%. The corresponding effective-rate examples are 4.94%, 5.20% and 5.67%, based on NOK 3 million repaid over 25 years. These are starting rates and examples, rather than a guaranteed personal quote or a maximum loan amount.
The mortgage fees start at NOK 2,000 to establish the loan, NOK 1,000 for handling the loan security, NOK 50 per payment period and NOK 500 for loan changes. Registration costs follow State rates. The tariff also lists a NOK 35 reminder fee and 12.25% late-payment interest.
You repay the borrowed money as well as interest. With a serial loan, equal principal instalments reduce the balance and interest falls as the balance falls. With an annuity loan, more of each payment initially pays interest and more later repays principal.
Eligibility
- Your home must have energy rating A or B. For a purchase, check the rating in the sales prospectus; the bank also points to energimerking.no to find or obtain the label.
- The bank assesses your income, other debt, family situation and ability to repay. Total debt normally cannot exceed five times gross annual income, including student loans, car loans and credit-card debt.
- A home purchase normally requires at least 10% of the price from your own resources. With additional security, the general mortgage FAQ allows borrowing up to 100% of the purchase price, for example by taking security in another property. This is subject to assessment; the published green rate tiers extend only to 90% of the home’s value.
How to apply
- Stav
- Průběžně otevřené
- Podmínky daného kola žádostí
- The home must have energy rating A or B; lending is subject to the bank’s individual assessment.
Contact Marker og Eidsberg Sparebank about the green mortgage, or book a meeting through its product page. Its listed mortgage adviser Anette Jaavall can be reached at +47 476 42 337 or anette.j@mesbank.no. The bank assesses your finances and mortgage terms individually; its combined-bank price list applies to new customers.