Energy loan for businesses and housing associations
Finance energy-saving renovations and renewable-energy equipment for property owned by your business or association, covering material and labour costs.
Tämän rahoitusmahdollisuuden kuvaus on toistaiseksi englanniksi.
The loan covers insulation of attics, façades and roofs; windows and doors with a U-value of 1.1 or lower; ground-source, air-source and exhaust-air heat pumps; heat recovery and ventilation with heat recovery (FTX); district heating and cooling; solar panels, solar collectors and solar batteries; LED lighting including presence controls; and charging posts close to the property. A U-value describes heat passing through a window or door: the listed maximum is 1.1.
The bank sets the amount according to your needs, the property’s cash flow and how much borrowing it carries relative to its value. It has no fixed minimum or maximum amount. In most cases, the loan is secured against the property using mortgage deeds; the acceptable borrowing level depends partly on the property type.
You pay interest and repay the borrowed money. Interest is priced individually according to factors including cash flow and security, with fixed or variable rates available. You agree the repayment schedule with the bank. Before the bank pays out, you must present invoices specifying the eligible investment measures. Beyond that, the offer requires no additional follow-up or reporting.
Eligibility
- A representative applies for the business or association that owns the property. This offer is not for private consumers.
- Any property type that can undergo energy-efficiency improvements can qualify.
- You must already be a bank customer or intend to move your property finance to Fryksdalens Sparbank as part of the energy renovation.
- New and existing customers must pass the bank’s customer checks so it understands the business relationship and intended transactions. The bank also assesses your creditworthiness.
How to apply
- Tila
- Jatkuva haku
- Hakukierroksen ehdot
- Existing customers and new customers transferring property finance can apply, subject to customer checks and credit assessment.
Apply through the business internet bank or app, in the Loans section, using the linked application instructions. The person applying must have unrestricted authority in the new version of the internet bank. Describe the business’s financing needs; after submission, the bank obtains a credit report through Upplysningscentralen (UC) and calls you to discuss financing.
If you are not yet a customer, use the new-customer route in the application instructions or contact Fryksdalens Sparbank to discuss moving your property finance as part of the renovation. You must become a customer before applying online. The offer currently invites applications and provides a contact route for advice.
Present invoices identifying the eligible measures before the loan is paid out.