Climate renovation loan
Borrow €10,000–€100,000 to improve the energy efficiency of your own residential property, whether you live in it or rent it out.
Cette fiche est actuellement disponible en anglais.
Finance insulation, replacement windows, a more efficient heating system or solar panels for your residential property.
Sparkasse Hamm pays the loan into your current account in one sum. You repay the borrowed money with interest; the bank’s published example uses monthly instalments. Choose a term of 10 or 15 years, with the interest rate fixed throughout. The published starting rates are 4.20% nominal interest and 4.28% effective annual interest, dated 17 August 2026. These are starting rates, rather than a guaranteed rate for every borrower. Early repayment is free.
The loan can be combined with currently available BAFA and KfW grants. KreditSchutz insurance is optional.
Eligibility
- You must be a current or future property owner and be creditworthy, meaning the bank must accept your ability to repay.
- The work must be an energy renovation of your own residential property. Both owner-occupied and rented-out homes qualify.
- Energy-efficiency improvements do not have to meet a KfW standard. The product also covers replacement heating systems and photovoltaic installations.
- Borrow between €10,000 and €100,000. A cost estimate is sufficient; the bank does not require a land charge securing the loan against your property or a land-register entry.
- You can apply after the renovation has started.
How to apply
- Statut
- Candidatures au fil de l’eau
- Conditions de cette période de candidature
- Apply through Sparkasse Hamm; credit approval is required.
Contact Sparkasse Hamm for advice and to apply for financing your energy renovation. Call 02381 10 30, Monday to Friday, 08:00–20:00. Bring a cost estimate for the work; the bank assesses your creditworthiness.