Green mortgage

• Your permanent home must have a valid Boverket energy declaration issued from 1 January 2014 showing energy class A or B. Older declarations cannot be used. You can look up your home’s declaration through Boverket.
• Stabelo lends against houses with property type code 220 and tenant-owned flats (bostadsrätter). Code 220 is Skatteverket’s property-tax classification “Småhusenhet, bebyggd”, meaning a built small-house property. You can check the code in your property-tax assessment decision (beslut om fastighetstaxering). Holiday homes and flats in a bostadsförening, a different form of housing association, are excluded. Stabelo currently does not finance purchases of newly built bostadsrätter.
• You must meet Stabelo’s usual mortgage requirements. Lending can reach six times the household’s combined annual income, but other factors also determine the approved amount.
• For a home purchase, the mortgage can cover up to 90% of the purchase price. Moving an existing mortgage without increasing it can cover up to 90% of market value. Increasing the mortgage is limited to 80% of the property value used to calculate repayments and borrowing capacity.
• The discount ends when the energy declaration expires, even during a fixed-rate period. It also ends if changes to the home mean the declared energy class can no longer be maintained. You cannot receive this discount and Stabelo’s green top-up loan discount simultaneously.

Status

Laufende Antragstellung

If you already have a Stabelo mortgage, email bolan@stabelo.se or call 010-410 35 00 to request the green discount. Stabelo retrieves your declaration from Boverket; if it is not registered there, email the declaration to Stabelo.

For a purchase or a mortgage transfer, apply through Stabelo’s mortgage application route. Stabelo checks the energy declaration automatically and adds the discount after the mortgage is paid out. For a transfer, provide an amorteringsunderlag, the statement of your existing mortgage’s repayment requirements, from your current bank and any requested additional information. Stabelo assesses the application; if approved, sign the mortgage documents digitally.

Stabelo communicates with borrowers and those pledging the home as security only in Swedish.

To keep the discount when your declaration expires, notify Stabelo in good time, arrange a new declaration and send it to the lender.

If you transfer a fixed-rate mortgage before its rate-adjustment date, your current lender may charge ränteskillnadsersättning, compensation for ending the fixed-rate period early. Stabelo states that transferring a mortgage with a three-month interest period costs nothing, even during that period.