Green mortgage
A 0.10 percentage point interest discount on fixed-rate mortgages for owners of homes with qualifying energy ratings or environmental certification.
Ez a lehetőség jelenleg angolul érhető el.
You can use the green mortgage for a detached house, holiday home or tenant-owned apartment that meets one of the certification routes below. Danske Bank lends against the home as security, and you repay the loan.
The discount applies when the interest rate is fixed. You can also apply if you already have a fixed-rate mortgage with Danske Bank; a mortgage already registered as green receives the discount when you fix its rate.
Eligibility
Your home must meet one of these alternative requirements, supported by a certificate:
- Under Boverket’s energy classification, a home built before 31 December 2020 must have energy class A. A home built after that date may have class A or B. Find its energy declaration and order a certificate through Boverket.
- The house has Svanen certification. Its certificate should be included in the purchase documents, and the product page links to a check of certified buildings.
- The home has Miljöbyggnad Gold or Silver certification. The certificate is included in the purchase documents; the product page also links to a certification check.
The discount cannot be combined with Danske Bank’s partnership offers and is not available to members of Saco or TCO trade unions.
The mortgage remains subject to credit assessment and is secured on your home. For a purchase, Danske Bank requires a deposit of at least 10% of the home’s value. It assesses your ability to repay and applies a guideline that borrowing should not exceed 5.5 times gross pay, that you can afford a 6% interest rate, and that you can meet the applicable repayments of loan principal.
How to apply
- Állapot
- Folyamatosan nyitva
- Az adott pályázati kör feltételei
- The offer continues until further notice and may change without advance notice because of unforeseen circumstances or changed conditions.[^c9]
If your mortgage is already with Danske Bank, use the form on the green-mortgage page to request conversion. The bank tells you when the mortgage is registered as green and how to receive the discount.
If you are buying a home or moving a mortgage from another bank, apply online for an ordinary mortgage or a loan promise from Danske Bank. A loan promise shows how much you can afford to borrow. Then show the home’s certificate to an adviser. For a purchase, contact the bank for its final credit assessment before signing the purchase agreement.
US citizens and others liable for tax in the USA cannot apply through the bank’s website. Contact customer service on 0752-48 45 42 instead.