Home energy loan
Nordea customers who own a house or holiday home can apply to borrow SEK 20,000–500,000 for upcoming energy-saving improvements, without pledging an asset as security.
Denne finansieringsmulighed er i øjeblikket beskrevet på engelsk.
The loan must be repaid with interest over an agreed term of one to twelve years.
The loan can finance a ground-source or air-to-water heat pump, district heating, solar panels and a home battery, improved windows, or extra insulation. You can choose any supplier.
Interest is variable and can change before payment and during the loan. Nordea sets a lower rate than for its ordinary personal loan, with a further preferential rate for purchases through Vattenfall or Enwell. A SEK 525 setup fee applies. You repay the same amount of the borrowed money each month, with interest added, so the total monthly payment can vary; repayments are debited automatically from your chosen Nordea account.
You can repay early without an extra fee. Nordea may reject payments whose origin cannot be established, that breach legal or sanctions requirements, that come from someone other than you or a guarantor, or that come from outside the European Economic Area.
Eligibility
- You must be or become a Nordea customer and own a house or holiday home.
- Use the money for upcoming improvements that reduce your home’s energy use. You must certify this purpose.
- Nordea assesses your finances and ability to repay, including if interest rates rise.
- If buying through a partner, obtain a valid quotation from that partner before applying.
How to apply
- Status
- Datoer ikke offentliggjort
Apply using Nordea’s energy-loan form. You must provide a Swedish personal identity number (personnummer) and a Swedish telephone number. Any co-applicant must also provide a personnummer and a Swedish mobile number different from yours, consent to the application and approve the loan separately. Nordea checks income and sends its decision through the message service in the app or online bank. Become a customer first; if you buy through a partner, Nordea can help you become a customer after you apply. Once approved, the loan is paid into your Nordea account to finance the improvements.
You can cancel within 14 days of entering the agreement, or receiving its terms and other information if later. Notify Nordea and repay the loan plus accrued interest as soon as possible, within 30 days of that notice. Nordea refunds loan fees within 30 days, except any expenses paid to public authorities.