Energy loan for businesses and housing associations
Borrow for insulation, heating upgrades, solar installations and other energy improvements to a property owned by your company or housing association.
Αυτή η ευκαιρία είναι προς το παρόν διαθέσιμη στα Αγγλικά.
The loan can pay for both materials and labour. Eligible work includes:
- Windows and doors with a heat-loss rating (U-value) of 1.1 or lower; insulation of attics, façades and roofs.
- Ground, air, air-to-water and exhaust-air heat pumps; heat recovery systems and mechanical ventilation with heat recovery (FTX); district heating and cooling.
- Solar electricity panels, solar thermal collectors and solar batteries; LED lighting including presence controls; and charging points close to the property.
The bank sets the loan amount according to your needs, the property’s cash flow and its level of borrowing compared with its value. There is no fixed minimum or maximum. The loan is usually secured against the property through mortgage deeds; the accepted borrowing level depends partly on the property type.
You repay the borrowed money on a schedule agreed with the bank. Interest is individually priced according to factors including cash flow and security, with fixed or variable rates available. Before the bank pays out the loan, you must supply invoices specifying the eligible work. Beyond those invoices, the bank states that this energy loan has no additional monitoring or reporting requirements.
Eligibility
- Apply as a representative of the company or association that owns the property. All property types that can undergo energy improvements may qualify. Consumer borrowing uses separate offers.
- You must already be a bank customer or intend to move the property’s financing to Sparbanken Boken alongside the energy renovation.
- Both new and existing customers must pass the bank’s customer checks, so it understands the business relationship and intended transactions, as well as its usual credit assessment.
How to apply
- Κατάσταση
- Ανοιχτό συνεχώς
- Όροι του κύκλου αιτήσεων
- Existing customers or new customers moving their property financing to the bank; subject to customer checks and credit assessment.[^c4]
Start an application through the energy-loan page, or contact Sparbanken Boken on 0430-735 00 to discuss the loan or book advice. New customers use the same contact route when arranging to move their property financing. Supply invoices that specify the eligible investments before the loan is paid out.