Energipuljen loans
Borrow for home energy improvements or an electric or hybrid car if you bring your banking relationship to Sparekassen Balling.
Ez a lehetőség jelenleg angolul érhető el.
You can finance energy renovation of your home, or buy a home that you improve for energy efficiency at the same time. The same energy pool also lends for electric and hybrid cars.
The bank's tariff gives an indicative variable housing rate of 2.95–4.50% and a variable vehicle rate of 2.95%. Your rate is assessed from your finances, credit risk, borrowing, banking relationship, security and loan purpose; interest is calculated on the debt and added quarterly.
Housing loans have registration costs only. For cars, the published setup charge is DKK 1,500, with no registration costs when you borrow up to DKK 250,000. The tariff provides separate setup-cost discounts for youth customers and holders of guarantor capital in the bank.
These are loans you repay with interest and costs. In the bank's housing illustration, you receive DKK 250,000 and owe DKK 263,875 including costs; the example runs for 20 years. The car illustration provides DKK 200,000, with DKK 201,500 owed including costs, repaid over seven years. These are examples, and installments can change when rates or costs change.
You may repay all or part early, with a reduction in interest and costs for the remaining loan period. The loan conditions also allow withdrawal within 14 days after the loan is made available, extended to the next weekday if the last day falls on a Saturday, Sunday, public holiday, Constitution Day, the Friday after Ascension Day, Christmas Eve or New Year’s Eve. Notify your branch by telephone or in writing before the deadline. Repay the money, interest accrued until repayment and any non-refundable public charges without unnecessary delay, no later than 30 days after notifying the bank.
Eligibility
You must be a private customer with a new borrowing need, bring your banking relationship to Sparekassen Balling and pass its usual credit assessment. New customers can request a conversation about joining and the energy pool.
A home purchase or renovation must include energy improvements. Housing finance requires an owner mortgage deed, which provides the bank with security in the property.
For an electric or hybrid car, you must pay at least 20% of the purchase price yourself. Borrowing more than DKK 250,000 requires an owner mortgage deed as security.
If the bank takes security in a car or property, you must maintain comprehensive and/or fire insurance for the pledged asset.
Keep the bank informed of your financial circumstances and supply financial information when requested. The bank may end the loan with three months' notice and a stated reason, requiring repayment of the outstanding debt, interest and costs.
A substantial fall in pledged asset value can trigger extra repayment or additional security. For your year-round residence, this does not apply to a fall in property value unless it results from neglect.
Before taking up permanent residence abroad, agree continued repayment with the bank. Without that prior agreement, the bank may end the loan without notice and demand immediate repayment of the full debt.
How to apply
- Állapot
- Folyamatosan nyitva
- Az adott pályázati kör feltételei
- New customers can request an adviser conversation about the energy pool; lending requires a full banking relationship and credit approval.
Contact Sparekassen Balling on +45 97 56 44 22 or use its new-customer callback form to discuss the energy pool with an adviser. The form asks for your contact details, postcode and preferred branch. If you join, the bank arranges the transfer of your banking relationship from your current bank.