Green mortgage for households
Get a 0.10 percentage point reduction on your mortgage interest for a house, holiday home or tenant-owned apartment meeting energy or environmental-certification requirements.
Αυτή η ευκαιρία είναι προς το παρόν διαθέσιμη στα Αγγλικά.
The reduction is added to the mortgage rate you already have with Handelsbanken. Newly built and older homes can qualify. The mortgage is arranged through Handelsbanken, with Stadshypotek as the lender. Your home secures the loan, and you repay the loan with interest.
The lower rate lasts until the next date when your loan terms change. It renews automatically if the home still meets the requirements. Energy declarations count only until they expire; environmental certifications count for at most ten years from issue. An energy declaration is valid for ten years. Renew it when it expires to confirm energy class A or B and keep the reduction; otherwise the reduction ends.
Eligibility
You must already have a mortgage with Handelsbanken. You can apply for a new mortgage or transfer one from another bank before seeking the green reduction.
Your house, holiday home or tenant-owned apartment must meet at least one of these requirements:
- Energy class A or B under Boverket’s classification. Check the home’s energy declaration in Boverket’s register.
- Miljöbyggnad Gold or Silver certification from Sweden Green Building Council. For a tenant-owned apartment, ask your housing association’s board to confirm the building’s certification.
- A Swan-labelled house. Check Svanen’s house map; if you own a tenant-owned apartment, you can ask the association’s board.
A new mortgage requires a credit assessment; the ordinary interest rate is set for your finances and circumstances. If you apply for a mortgage promise before buying, you must be at least 18, have a regular income, be registered in Sweden’s population register and have no payment-default records.
How to apply
- Κατάσταση
- Ανοιχτό συνεχώς
- Όροι του κύκλου αιτήσεων
- You must have a Handelsbanken mortgage and meet the green-mortgage criteria.
Check that the home meets one of the green requirements, then log in to Handelsbanken’s online banking and complete the green-mortgage application. If approved, your rate falls by 0.10 percentage points.
If you need a new mortgage or want to transfer an existing one, use the routes on the green-mortgage page first. For a home purchase, contact Handelsbanken before signing the purchase contract.