Home energy loan

You can finance energy-efficient windows and doors, heating upgrades such as a heat pump or district heating, insulation, solar panels, ventilation, batteries storing your own generated electricity, or a charging station. The investment must be a solution that can reduce your home’s energy consumption.

The unsecured option offers SEK 50,000–350,000 with repayment over up to 12 years, depending on the amount and purpose. The mortgage option starts at SEK 100,000, requires room for additional borrowing against your home and is limited to 80% of the home’s value. It uses your home as security, offers a discount of 0.10 percentage points compared with your existing mortgage rate, and allows repayment over up to 50 years depending on amount and purpose.

You repay the borrowed money with interest. The bank’s examples use monthly repayments with an equal amount of principal repaid each month, so payments fall as the debt decreases if the interest rate stays the same. For SEK 100,000 over five years, its unsecured example uses 4.15% interest, 4.47% effective annual interest including costs, and a SEK 550 setup fee. For SEK 350,000 over 50 years, its mortgage example uses 3.79% interest fixed for three months, 3.87% effective annual interest and a SEK 900 setup fee. These are examples for specified loan amounts and terms, not guaranteed personal rates. Both examples use digital payment notices; paper notices add SEK 45 per notice.