Sustainability loan
An unsecured loan for individuals making home energy improvements such as solar panels, insulation or a heat pump.
Tämän rahoitusmahdollisuuden kuvaus on toistaiseksi englanniksi.
You can borrow for solar panels, a heat pump, extra insulation, replacement windows or other work that can reduce your home’s energy use.
The loan is SEK20,000–250,000, repaid over 2–10 years. The advertised annual variable interest rate is currently 4.95%; it can change. If you already have your mortgage with JAK Medlemsbank or move it there, the advertised rate is 4.45%. The setup fee is SEK575, or 100,000 JAK savings points.
JAK pays the money out as agreed with you. You repay the borrowed money according to your loan agreement and pay interest on the debt still outstanding. Unless you agree otherwise, payments are taken from your JAK service account on the due date; keep enough money in that account.
You can repay all or part of the loan early, paying the amount being settled plus accrued interest, fees and costs. For this unsecured consumer credit, you can withdraw from the agreement by notifying the bank within 14 days of signing, or receiving the terms and required information if later. You must then promptly repay the loan and interest for the days you had the money, within 30 days of your notice. The bank refunds credit fees within 30 days of receiving your notice, except expenses it paid to public authorities.
Eligibility
- The amount JAK offers depends on your finances and its credit assessment. You do not need to pledge security.
- You can apply before becoming a member. To take the loan, you must join JAK Medlemsbank and keep meeting its membership obligations during the loan.
- Joining currently requires a SEK100 member share, which makes you a part-owner of the bank. The share is not refundable except in cases specified by law. The joining form currently shows a SEK105 membership fee for October–December; the published full-year private membership fee is SEK420. The first-year fee varies with the quarter you join. People aged 18–21 pay no membership fee. Membership fees recur and can vary by membership category.
- Joining also means accepting the bank’s statutes and special provisions.
How to apply
- Tila
- Jatkuva haku
- Hakukierroksen ehdot
- Applications are assessed individually; membership is required to take an offer.[^c4][^c8]
Apply through JAK Medlemsbank’s digital loan application and sign with BankID. Enter “Hållbarhetslån” and explain what you will use the money for under “övriga upplysningar” (other information). JAK reviews your finances and application before making a decision. If you take an offer, become a member, sign the loan documents and return them to the bank; payout follows as agreed. For questions about an intended improvement, email lan@jak.se.