Eco-sustainable home loan
A personal loan for energy-saving home improvements and renewable self-consumption equipment, with proof of how you will use the money.
Tämän rahoitusmahdollisuuden kuvaus on toistaiseksi englanniksi.
Borrow up to €70,000 for up to six years (72 months) to improve your home’s energy efficiency or install and maintain renewable self-consumption equipment. Eligible examples include insulation, efficient windows and doors, lighting, heating, ventilation, air conditioning, hot water and sustainable appliances. Renewable uses include photovoltaic and solar hot-water panels, thermal or electrical storage, heat pumps and wind turbines.
For the route without payment-protection insurance, the advertised annual nominal interest rate is 6.25%. The bank’s representative €20,000 loan over 72 months has an annual percentage rate (APR, reflecting the annual cost of the credit) of 6.43%, with 71 monthly payments of €333.82 and a final payment of €334.04. Total repayment is €24,035.26, including €4,035.26 interest and no opening or study fee. This is an example, rather than a payment quote for every borrower.
The example uses broadly constant monthly repayments that pay interest and reduce the borrowed balance. Full or partial early repayment has no cancellation fee. If you receive a subsidy, you can use it to reduce the loan debt without a charge.
Eligibility
The bank directs this offer to consumers resident in Spain and describes Alicante and Murcia as its area of influence.
You must provide evidence that the money is for a sustainable purpose, such as a purchase invoice or renovation quotation. Home improvements must save energy; the renewable-equipment route covers installation and maintenance for self-consumption.
How to apply
- Tila
- Jatkuva haku
- Hakukierroksen ehdot
- Submit an enquiry through the loan contact form.[^c9][^c10]
Send an enquiry through Caja Rural Central’s product-specific contact form. It asks for your contact details, DNI or NIE identity-document information, postcode, requested amount and repayment period, and employment situation. You can choose a preferred time for a call. This starts contact with the bank about the loan.