Green home loan
Borrow to buy or build an energy-efficient home, with property limits that depend on building type and construction date.
Denne finansieringsmulighed er i øjeblikket beskrevet på engelsk.
SEB lends money for an energy-efficient home that you repay with interest. The loan is secured by a mortgage on property, and the collateral must stay insured. The green loan page advertises a €0 contract fee.
The interest rate normally combines an individually agreed margin with Euribor, a benchmark rate that changes over time. A separate purchase campaign offers a margin starting at 1.35% plus Euribor for new applications to buy A- or B-class homes during the advertised period. The campaign is subject to your ability to repay and does not bind the bank.
Eligibility
You must be able to repay the loan; SEB assesses your income, existing financial obligations and family size. The loan starts at €15,000 and can run for up to 30 years.
The property must meet SEB’s energy-efficiency limit for its type and construction date. The figures below are maximum building energy-efficiency values per square metre per year, expressed in kWh/m² a. The applicable limit changes with the building’s age:
| Property | Built through 2020 | Built from 2021, before 1 June 2025 | Built from 1 June 2025 |
|---|---|---|---|
| Small house with heated area below 120 m² | 178 | 130 | 122 |
| Small house in the middle heated-area band (120–220 m²), or terraced house | 148 | 108 | 108 |
| Small house with heated area above 220 m² | 130 | 90 | 90 |
| Apartment building | 150 | 94 | 99 |
These are the green loan’s property limits. The A/B energy-class restriction applies separately to the dated purchase-rate campaign.
- The home used as collateral must be in Estonia. SEB normally requires at least 15% of the purchase price from your own funds. An EIS guarantee can reduce this contribution, and SEB also accepts additional collateral instead. If the housing provided as security is not your home, borrowing may be limited to 60% of its market value.
- Keep the collateral insured for the full loan term, for at least its reinstatement value—the cost of restoring it.
- You and any co-borrower must open and retain a current account with SEB by the time you sign. Unless the agreement says otherwise, SEB may require your income and payments to go through that account.
- The purchased property needs the required building documents, such as a use and occupancy permit, or the purchase contract must include arrangements to obtain them. That permit confirms that the building matches its building permit and can be used for its intended purpose.
How to apply
- Status
- lukker 31. dec. 2026
- Åbner
- Lukker
- Vilkår for ansøgningsrunden
- For new home-loan applications to buy A- or B-energy-class property; interest starts at 1.35% plus Euribor. The offer is subject to repayment capacity and is not binding on SEB.[^c5]
Apply through SEB’s green home-loan page. Existing customers continue in the internet bank; new customers use the separate application route. SEB evaluates your application and agrees the loan terms.