Green mortgage
Mortgage interest discount for households buying, transferring or already financing an energy-class A or certified sustainable home.
Tato příležitost je nyní dostupná v angličtině.
Sparbanken Skåne deducts 0.10 percentage points from your individually agreed mortgage interest rate. The discount applies to all mortgages tied to the qualifying home, including a qualifying holiday home. The home is pledged as security for the loan.
The discount starts when the bank registers it. For a three-month interest period, it lasts until your individual interest discount expires; for a fixed-rate mortgage of 1–10 years, it lasts until that fixed-rate period ends. Apply again when renewing. If your energy declaration expires during the fixed-rate period, the discount continues until that period ends; the next application must meet the criteria then in force.
You repay the mortgage as well as paying interest. For a new mortgage above 70% of the home’s value, repay at least 2% of the total loan each year. Above 50% and up to 70%, repay at least 1% each year; at 50% or below, repayment of principal is optional. The bank requires a repayment period of at least 10 years, but you can repay faster through additional payments.
When increasing a mortgage taken out before 1 June 2016, you can instead repay the additional borrowing over 10 years without changing the existing loans. In exceptional cases of higher costs or reduced income, the bank may temporarily pause principal repayments after an individual assessment; an approved pause carries a SEK 500 administration fee with the next loan payment.
The bank’s published mortgage calculation includes a SEK 950 setup fee. Digital payment notices carry no notice fee; postal notices cost SEK 45 each.
Eligibility
This entry covers homes with energy class A in an energy declaration issued from 1 January 2014 onwards, or one of these certificates: Nordic Swan Ecolabel (Miljömärkning Sverige), certified passive house (Passive House Institute), Miljöbyggnad Silver or Miljöbyggnad Gold. For the certificate route, provide a valid certificate; for the energy route, provide the home’s energy declaration showing its class.
You may apply when taking a new mortgage, transferring a mortgage to Sparbanken Skåne or already borrowing from the bank. Apartments and houses, including qualifying holiday homes, have mortgage application routes. The bank checks your ability to repay through a credit report and must approve the home as security. The information underlying your preliminary mortgage approval (lånelöfte) must remain correct and unchanged when the loan is paid out.
One borrower can submit the discount request; all borrowers or owners do not have to sign it.
How to apply
- Stav
- Průběžně otevřené
- Podmínky daného kola žádostí
- Apply for the mortgage first; request the green discount after taking possession and receiving the mortgage.[^c3]
For a new mortgage or transfer, start with preliminary mortgage approval (lånelöfte), which gives you a budget before bidding and does not bind you to borrow, identify a qualifying home and apply for the mortgage through Sparbanken Skåne’s mortgage application page. After taking possession and receiving the mortgage at your individual interest rate, request the green discount using the request form in online banking. Reply to the bank’s message and attach a valid certificate or energy declaration.
If you already have the mortgage, check the home’s criteria and use the same request form in online banking. Reply to the bank’s message with valid evidence. You can also contact Kundcenter on 0771-12 20 00; telephone callers identify themselves with Mobile BankID.