Green mortgage
A mortgage for buying or owning an energy-efficient home with energy label A or B.
Denne finansieringsmulighed er i øjeblikket beskrevet på engelsk.
Haugesund Sparebank lends for buying an energy-efficient home or upgrading to environmentally friendly solutions. The home must have energy label A or B.
The published nominal interest rate starts at 5.49%, and the effective rate, which includes the listed loan charges, starts at 5.68%. These are starting rates. The standard repayment period is up to 30 years, with monthly instalments. Principal repayments reduce the amount you owe; interest is a separate cost. Interest is calculated in arrears and added to the loan balance when the instalment is paid, usually monthly.
The general private-customer mortgage arrangement fee is NOK 3,000–10,000. Security administration costs NOK 1,000 for new security, NOK 500 for existing security and NOK 750 for a change. State registration charges and instalment fees also apply.
Eligibility
You must own or be buying a home with energy label A or B. The correct energy label qualifies the home for the green mortgage; the bank still assesses your ability to repay using your income, other debt and family circumstances.
For a home purchase, the bank’s general mortgage guidance says you normally provide at least 10% of the price yourself and can borrow up to 90%. With additional security in another property, borrowing up to 100% of the purchase price may be possible. This remains subject to the bank’s repayment assessment.
How to apply
- Status
- Løbende ansøgning
- Vilkår for ansøgningsrunden
- The home must have energy label A or B; lending is subject to the bank’s repayment assessment.
Contact Haugesund Sparebank’s mortgage adviser Elise Kalstø Eike at eke@haugesund-sparebank.no or +47 48 26 99 84 to discuss the green mortgage and your financing. The product page invites applicants to arrange a meeting with an adviser.