Home energy renovation loan
A secured loan for homeowners to reduce home energy use through insulation, new windows, solar panels or heating improvements.
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Klimalån Privat finances energy improvements to your home. Merkur takes a mortgage over the property as security, and you repay the money you borrow with interest within 20 years.
The price list effective 2 October 2026 quotes nominal annual interest of 4.25–5.75% and annual interest including compounding of 4.32–5.88%. Rates are variable unless your agreement expressly says otherwise. Its example uses DKK 100,000 received, DKK 3,571 in bank costs added to the debt and a 15-year term; the illustrative APR, including costs, is 4.9–6.5%. The example is an annuity loan: monthly instalments repay both the debt and interest. Security documentation costs DKK 1,250, and public registration duties may also apply.
Eligibility
You must be a homeowner making energy improvements. Merkur assesses your finances to decide whether you can repay the loan within the agreed period. As a starting point, you must move all or most of your banking business to Merkur and become a cooperative shareholder.
The usual share purchase is 3% of your weighted banking relationship: 70% of loans, credit and guarantees, 15% of mortgages arranged through Merkur, and 15% of deposits above DKK 100,000. For private customers the share requirement is capped at DKK 25,000 at market value; when borrowing forms part of the relationship, compulsory shares cannot exceed 5% of lending. These shares are risk capital and are outside the deposit guarantee scheme.
A household with transaction or ordinary savings accounts normally pays a DKK 280 quarterly customer contribution. It falls to half if a household member has a NemKonto payment account at Merkur, or you hold at least five shares, DKK 100,000–200,000 in loans/credit or securities. Combining NemKonto with one of those criteria reduces it to a quarter. Exemptions cover customers under 29, loans/credit or securities of at least DKK 200,000, and Totalkredit mortgages arranged through Merkur.
How to apply
- Statut
- Candidatures au fil de l’eau
- Conditions de cette période de candidature
- Apply through an adviser; individual credit approval is required.[^c3][^c4][^c9]
Contact Merkur on +45 7027 2706 or merkur@merkur.dk to discuss your energy renovation and a Klimalån Privat. New customers can use the public customer enquiry form, including outside telephone opening hours. An adviser assesses your plans and finances before a loan is agreed.