Business energy loan
A loan for companies and housing associations that own property to pay for energy-saving improvements, renewable energy and nearby charging points.
Esta oportunidad está disponible actualmente en inglés.
The loan can pay for materials and labour for these property improvements:
- Windows and doors with a U-value of 1.1 or lower, and insulation for the attic, façade or roof.
- Ground-source, air-source and exhaust-air heat pumps; heat recovery and FTX ventilation with heat recovery; and district heating or cooling.
- Solar panels, solar thermal collectors and batteries for solar electricity.
- LED lighting, including presence controls, and charging points close to the property.
There is no fixed minimum or maximum loan amount. Sparbanken Skåne sets the amount according to your needs, the property's cash flow and how much is borrowed against its value. In most cases, the property secures the loan through mortgage certificates; the acceptable proportion borrowed depends partly on the property type.
The bank sets your interest rate individually, taking cash flow and security into account. You can agree a fixed or variable rate. You repay the borrowed money according to the repayment arrangement agreed with the bank.
Before the bank pays out the loan, you must provide invoices that itemise the eligible improvements. Beyond this invoice check, the energy loan has no additional monitoring or reporting requirement.
Eligibility
- You must represent a company or housing association that owns the property. Consumers use the bank's other loan offers.
- Any property type can qualify if energy-efficiency improvements can be carried out.
- You must already be a bank customer or intend to move the property's financing to Sparbanken Skåne as part of the energy renovation.
- Both new and existing customers must pass the bank's customer checks: the bank needs to understand the purpose of the relationship and your planned transactions. The application also undergoes normal credit assessment.
How to apply
- Estado
- Abierto continuamente
- Condiciones de la convocatoria
- Become a business customer before applying if you are new to the bank.[^c8]
Apply to Sparbanken Skåne through the loan form under “Lån” in its internet bank or app. The person applying online must have unrestricted authority in the new internet bank. Describe the company's financing needs in the form; the bank then obtains credit information through UC and calls you to discuss financing.
If you are a new customer, become a business customer first. You can also apply by calling 0771-12 20 00.