Home energy improvement loan
Borrow for insulation, roof or window replacement, renewable heating and other energy-saving improvements to your home.
Denne finansieringsmulighed er i øjeblikket beskrevet på engelsk.
Betri Banki lends DKK 30,000–500,000 for home energy improvements, financing up to 80% of the purchase value. You repay the borrowed money with variable interest over an agreed period of up to 30 years.
The rate table effective from 15 August 2026 lists 3.75% nominal interest and 3.80% effective interest. Its 4.37% annual cost figure is an illustration for a DKK 400,000 annuity loan repaid over 20 years, with DKK 450,000 of security registered against the property. An annuity loan repays both the borrowed money and interest through instalments.
The listed establishment fee is 2%, plus DKK 1,500 for processing. Property-security registration carries external charges of 1% of the secured amount and DKK 1,000 per document; the bank also lists DKK 1,000 for arranging security. A bank-loan property valuation is listed at DKK 3,750 as an external cost. The tariff lists no fee for early loan repayment.
Variable interest can rise without advance notice for external market, funding-cost or monetary-policy changes. Other specified commercial, market or legal changes require one month’s notice. Late payment can bring default interest, reminder fees and collection costs. Specifically agreed terms take precedence over the general customer terms.
Eligibility
- The loan supports improvements to an existing home: replacing roofs or windows, insulation or recladding, switching to a renewable energy system, and other energy-saving renovations.
- This entry covers private household borrowing. Private banking services are for private purposes unless the bank agrees business terms in writing.
- If you are new to Betri Banki, you must become a customer. Registration uses Samleikin, or an onboarding form if you do not have it; the bank requires your name, address, P-number and supporting identity evidence.
How to apply
- Status
- Løbende ansøgning
- Vilkår for ansøgningsrunden
- Request a financing meeting; new customers can use the same meeting form.[^c2]
Book a financing meeting with Betri Banki before the work starts, using the meeting form and selecting financing or housing. The form accepts people who are not already customers. Arrange the financing with your adviser in advance so it is in place before, during and after the renovation.