Green housing loan
Borrow to buy an energy-efficient home, build a passive or low-energy house, or improve your home with renewable energy and energy-saving work.
Αυτή η ευκαιρία είναι προς το παρόν διαθέσιμη στα Αγγλικά.
The loan covers eligible home purchases and construction, as well as solar generation, heat pumps, ventilation, wood-biomass heating, electric charging and electricity storage for self-supply. Energy renovations can include replacing windows and doors or insulating the roof or façade.
NLB lends you money that you repay with interest in monthly instalments. The amount depends on your ability to repay, the security you provide and the repayment period. The maximum term is 20 years without a mortgage, including where a guarantor provides additional security, or 30 years with a mortgage on property in Slovenia.
You can choose fixed interest or variable interest based on six-month EURIBOR plus a fixed margin. Fixed-interest instalments stay the same; variable-interest instalments can rise or fall when EURIBOR changes. NLB updates that reference every six months and treats a negative EURIBOR as zero.
Repayment starts when you sign the loan agreement, with no interim interest charged. Your total borrowing cost includes interest, fees and applicable ancillary services; notary costs and insurance premiums for the financed property sit outside the published total-cost calculation.
The green offer has no approval fee and includes the property valuation and energy certificate. Your rate is individually quoted. The advertised 3.20% fixed rate requires a term of up to 10 years, mortgage security, an NLB account receiving regular monthly income and Vita Odgovorna life insurance. Choosing not to open an NLB account or take that insurance can mean a higher rate; the insurance premium is excluded from the illustrative calculation because its cost is not known then.
The money can be paid directly to the seller or contractor, or partly to your personal account. For a property purchase, up to 20% can go to your account for renovation if you provide a declaration of the intended use, with or without a mortgage. For construction, adaptation or investment maintenance, the personal-account share can be up to 80% without a mortgage or 50% with a mortgage. Already-paid invoices can be reimbursed if paid no more than 90 days before drawing the loan.
You can repay part or all of the loan early, with the associated interest. NLB adjusts eligible interest and costs for the remaining contract period under its published calculation; loans concluded after 7 August 2010 carry no compensation charge for early repayment.
Eligibility
- Individuals who bank with NLB or another bank can apply. NLB checks your ability to repay and payment record in SISBON, the credit-information system, before approval.
- For a home purchase, the energy certificate must show class A1, A2, B1 or B2, or primary energy use below 54 kWh/m² a year. Construction must be of a passive or low-energy house. Renewable-energy equipment and energy renovations must fit the listed housing purposes.
- If you secure the loan with property, the mortgaged property must be in Slovenia. NLB may require insurance for fire and natural hazards, with flood cover for buildings in Slovenian flood areas. The policy must name the bank as beneficiary and cover at least fire, lightning, explosion, storm, hail, vehicle impact, aircraft falls, demonstrations and manifestations; you may use an insurer in Slovenia or another insurer acceptable to the bank, with cover based on the buildings’ replacement value and an insured sum no higher than the property’s insurance value.
- NLB does not offer loans classified as foreign-currency credit. Under its definition, this includes a loan in a currency different from the income or assets used to repay it, or different from the currency of the EU member state where the borrower permanently resides when signing.
Missing two consecutive monthly payments totalling at least 3% of the remaining loan can allow NLB to demand the full remaining debt if you still do not pay within 15 days after its written reminder. After terminating the agreement, it can enforce any security.
How to apply
- Κατάσταση
- Ανοιχτό συνεχώς
- Όροι του κύκλου αιτήσεων
- Applications are available to NLB and other-bank customers through a branch or video call, subject to credit approval.[^c1][^c6]
Arrange an appointment at any NLB branch through the product page, or submit your loan request by video call. NLB’s loan specialist prepares an individual offer and the branch gives you the exact calculation for your investment. Check the terms and read the agreement before signing; the signed loan agreement governs your relationship with the bank.