Home energy loan
Borrow for insulation, replacement windows or other investments that can reduce energy use in your home, subject to the bank’s borrower assessment.
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You can finance additional insulation, replacement windows or household appliances, shares in wind power, or heating systems such as district or local heating and pellet heating. The investment must be able to reduce energy use in your home. The bank directs solar-panel purchases to its separate solar loan.
You repay the borrowed money with interest. The published variable interest rate is 4.90%, last changed on 3 October 2025. The setup fee is SEK 550. Electronic invoices carry no notification fee; postal invoices cost SEK 45 each.
Repayment takes 1–12 years, depending on the loan’s size and purpose. Contact the bank by telephone or at a branch if you want to repay extra or settle the loan early.
Eligibility
- Your investment must be able to reduce energy use in your home.
- You must be at least 18 and have regular income that is not benefits, student aid or similar. Your finances must leave room to pay the loan’s costs, and you must have no recorded payment defaults.
- You must be a customer of Sparbanken Göinge. New customers can join using Mobile BankID and apply afterwards, or get help by telephone or at a branch.
How to apply
- Statut
- Candidatures au fil de l’eau
- Conditions de cette période de candidature
- You must be a bank customer; new customers can join and then apply.[^c3]
Call Sparbanken Göinge on 044-850 00 to apply and discuss whether the loan fits you and your planned home improvements. The bank starts paying out the loan once it has approved it and received your signed documents.