Green mortgage
A mortgage with preferential terms for buying an A/B-rated home or converting an existing mortgage after energy upgrades achieve A or B.
Αυτή η ευκαιρία είναι προς το παρόν διαθέσιμη στα Αγγλικά.
SpareBank 1 Sogn og Fjordane offers a loan secured on your home, with repayment over up to 30 years. You repay the borrowed money and pay interest and fees under the agreed repayment plan. When transferring a mortgage, the bank pays off your old lender after you accept its offer and creates the new loan.
The standard offer advertises borrowing up to 90% of the purchase price; the tariff states up to 90% of market value. The published starting rate is 5.49% nominal, with 5.71% effective interest in the bank’s NOK 2 million, 25-year example. Your rate depends on individual assessment of repayment ability, security and risk. The example has a monthly payment of NOK 12,340 and total repayment of NOK 3,705,400.
Secured-loan establishment costs start at NOK 3,500, or NOK 5,000 with bridge financing or additional security. A value report costs NOK 1,500. Automatic-payment fees are NOK 70 without a notice or NOK 100 with one.
Eligibility
- The purchased home must have energy rating A or B, and you must provide its energy certificate before the bank can approve the green mortgage.
- For an existing home, carry out energy-saving improvements to reach A or B and send the new certificate. The bank updates the loan and interest rate after receiving the required documentation.
- The advertised mortgage prices require salary payments into the bank, use of the bank for everyday banking, compliance with the lending regulation and continued compliance with your agreed repayment plan.
- The bank describes a general rule of at least 10% own funds plus purchase costs, borrowing of at most five times income, and ability to repay when tested at the current interest rate plus three percentage points, with a minimum test rate of 7%. Its general mortgage guidance allows borrowing above 90% of the purchase price with a guarantor; approval and your borrowing amount are assessed by the bank.
How to apply
- Κατάσταση
- Ανοιχτό συνεχώς
- Όροι του κύκλου αιτήσεων
- Subject to the bank’s individual mortgage assessment.
Apply through the bank’s mortgage application and write in the final comments that you want a green loan and why you qualify. Supply the energy certificate. You can also arrange a free, nonbinding adviser meeting through the product page, including as a new customer.
Before starting upgrades, establish how much you can borrow by applying for a financing certificate, submitting a loan application or talking to an adviser.
New customers over 18 with BankID can register online. To obtain BankID from the bank, visit an office with an RFID passport, RFID travel document or Norwegian national ID card; if you cannot attend, call +47 57 82 97 00.