Green mortgage
An extra 0.10 percentage-point mortgage interest discount for households with an energy-efficient or certified home.
Αυτή η ευκαιρία είναι προς το παρόν διαθέσιμη στα Αγγλικά.
Buy a qualifying home, transfer a mortgage or apply for the discount on your existing Sparbanken Spira mortgage. The bank first agrees your personal mortgage rate and then deducts 0.10 percentage points. The home secures the loan: you pay interest for borrowing the money and repay the debt through mortgage payments.
The discount covers all mortgages attached to the qualifying home. A holiday home can also qualify through its own application. It starts when the bank registers it. For a three-month rate, it ends when your existing interest discount expires; for a fixed rate, it ends with the fixed-rate period. Apply again at renewal. If the home's certificate expires during a fixed-rate period, the discount continues for that period, but the home must meet the criteria in force when you reapply.
For a home purchase, the mortgage can cover up to 90% of the property's value. The remaining price and any mortgage-deed and title-registration costs sit outside the mortgage; those deed and registration costs do not apply to a housing-cooperative apartment. Repay at least 2% a year when the mortgage exceeds 70% of the home's value, or at least 1% when it is between 50% and 70%.
The bank lists a SEK 650 setup fee for customers outside its Nyckelkund package. Its example waives the setup fee for Nyckelkund customers and has no notification charge with digital billing. Paper bills cost SEK 45 each. Income in a different currency from the loan can affect what you need to pay when exchange rates change.
Eligibility
You may apply for a new mortgage, move a mortgage from another bank, or already have your mortgage with Sparbanken Spira.
Your home must have energy class A or B under Boverket's classification introduced on 1 January 2014, documented by an energy declaration issued from that date; older declarations do not qualify. Alternatively, it must be a Svanen-labelled house, a Passive House certified by the Passive House Institute, or a Miljöbyggnad building certified Silver or Gold by Sweden Green Building Council.
Send a valid certificate or energy declaration to the bank. For a housing-cooperative apartment, ask the association for the building's energy classification or certificate.
The bank assesses your income and repayment capacity using a UC credit report. A cooperative-home mortgage is secured against your right to the home, and the bank assesses both your finances and the association's finances.
A loan promise depends on your information being accurate and unchanged when the mortgage money is paid out, and on the bank approving the home as security. It is a preliminary indication, not a binding commitment; the bank makes a final credit assessment before granting the mortgage.
You cannot combine this discount with the bank's separate Bolån Ung promotion.
How to apply
- Κατάσταση
- Ανοιχτό συνεχώς
- Όροι του κύκλου αιτήσεων
- The green discount is requested after the mortgage is issued or transferred and valid proof is provided.
For a new mortgage or transfer, follow the bank's green-mortgage instructions: start with a loan promise, choose a qualifying home and apply for the mortgage. The mortgage page offers online applications for houses and housing-cooperative apartments, and an adviser form. Once you have taken possession and received the mortgage with your personal rate, submit the green-mortgage interest form in internet banking. Reply to the bank's message with a valid certificate or energy declaration.
For a transfer, the bank also accepts contact by telephone or at a branch; apply for the green discount after approval and transfer. Existing borrowers can submit the interest form directly. One borrower can submit the discount application for the home.