Energy home loan
Borrow against your home for professional energy improvements or climate adaptation, including heat pumps, solar panels and insulation.
Ez a lehetőség jelenleg angolul érhető el.
The ordinary loan offers up to DKK 500,000 for approved work in a year-round home, holiday home or cooperative home. Uses include district heating, home batteries, efficient doors and windows, EV charging and flood or rainwater protection.
You repay the loan with variable interest over up to 15 years, monthly or quarterly, without a repayment-free period. Ordinary setup charges are DKK 2,600 plus a 1% approval commission, with public security-registration costs added. You can repay early by paying the remaining loan amount; amounts repaid cannot be borrowed again without a new application.
Under Fyr dit fyr, replacing an oil or gas boiler with a more environmentally friendly heat source in a year-round home can qualify for waived setup and registration charges and no home-equity requirement. This remains a loan secured against the home.
Eligibility
- For the ordinary loan, you need home equity—the part of the home’s value remaining after existing borrowing—and enough room in your budget to make repayments. Nordea assesses your finances and arranges a home valuation.
- The home must be insured against fire. Every property owner must also be a borrower. Nordea registers a security document for the same amount as the loan principal.
- The work must be performed by professional tradespeople. On request, you must document that at least 90% of the ordinary loan proceeds paid for approved energy improvements. Otherwise the loan converts to ordinary home-loan repayment terms with higher interest.
- Fyr dit fyr applies only to oil- or gas-boiler replacement in a year-round home. Its 90% test applies specifically to that replacement; failure also leads to ordinary home-loan terms with higher interest.
- Nordea normally allows total borrowing up to 95% of a year-round or holiday home’s value plus Nordea/Nordea Kredit costs when buying, or 100% of its value when borrowing against existing equity.
- If you miss interest or repayments, Nordea may demand repayment of the loan. Your home may be sold to recover the debt.
How to apply
- Állapot
- Folyamatosan nyitva
Request a meeting through Nordea’s energy-improvement form; an adviser will contact you. At loan setup, provide a quotation from a tradesperson or building company for the proposed work. Submit the completed-work invoice to Nordea, which arranges payment.