Energy improvement loan
Borrow for solar panels, a heat pump, new windows or insulation, with published rates for full customers of the savings bank.
Ez a lehetőség jelenleg angolul érhető el.
The energy loan finances improvements such as solar panels, heat pumps, new windows and insulation.
You repay the borrowed money with interest. The October 2025 schedule lists a variable nominal annual interest rate of 3.75%, equivalent to a 3.80% debtor rate including compound interest. Interest is calculated on the outstanding debt and added quarterly; the bank charges no ongoing commission.
In the bank’s C4 calculation example, you receive DKK 200,000 of credit. Establishment costs of DKK 9,325 bring the loan principal to DKK 209,325. Repayment runs over 20 years as an annuity loan: instalments cover both interest and repayment of the debt. In this example, property is pledged as security for the loan through an owner mortgage deed of DKK 200,000. The example has an annual percentage rate (APR) before tax of 4.35%. APR includes interest, bank fees and public charges; it varies with the loan amount, term and security.
The general fee schedule lists a setup or loan-increase charge of 2% plus DKK 1,000, capped at DKK 16,000. For amounts up to DKK 50,000, it lists 2% plus DKK 500. Changing the agreement terms or waiving an instalment costs DKK 500.
Eligibility
The offer is listed for private customers borrowing for energy improvements. The published interest rates apply to “helkunder”, the bank’s full-customer category.
New customers can contact the bank to discuss joining. Its primary markets are Thy and Mors.
How to apply
- Állapot
- Folyamatosan nyitva
Contact Sønderhå-Hørsted Sparekasse on +45 97 93 90 11 or sdrhaa@sdrhaa.dk and arrange an energy-loan conversation with an adviser.
If you are joining the bank, you and the adviser review your banking needs, you complete identification during onboarding, and you agree which accounts and cards to transfer or open before signing the relevant agreements.