Household energy loan
Borrow against your home, second home or holiday home for new energy-saving improvements, with a higher loan limit for larger documented energy improvements.
Diese Finanzierungsmöglichkeit ist derzeit auf Englisch beschrieben.
The standard energy loan provides up to NOK 300,000 for measures such as heat pumps, solar panels, insulation, windows and energy controls that reduce energy use. The green energy loan provides up to NOK 500,000 when the work meets its higher improvement requirement. Both loans are secured against the property being improved.
The published nominal interest rate for the first year is 1.49% for the standard loan and 0.99% for the green loan. The price list gives 5.49% from the second year for both. Its representative example includes a NOK 3,590 establishment fee and NOK 69 payment-period fee.
Eligibility
- The work must be new and unfinished when you apply. For the standard loan, equipment already bought can qualify if you document that installation has been ordered and remains unfinished.
- For the standard loan, the property must have an energy label before approval. Document the work with a cost estimate, tender or contract.
- For the green loan, you must hold your mortgage with Sparebanken Norge or move it there. The measures together must improve the home’s energy rating by at least 30% or two energy classes. Document the expected improvement and the planned measures.
How to apply
- Status
- Termine noch nicht bekannt
Contact Sparebanken Norge through its energy-loan page to discuss the loan before the work is finished.
For the green loan, first obtain the home’s energy label. Give your adviser the energy certificate, evidence of the expected energy improvement and price quotations or other documentation of the measures. After completing the work, obtain a new energy label and register the updated label with Enova.