Sustainability loan
Loans for individuals and businesses investing in renewable energy, energy savings, certified green buildings or climate adaptation in Namibia.
Ez a lehetőség jelenleg angolul érhető el.
You can finance solar systems and components, biomass or wind energy, and energy-efficiency projects that deliver 20% energy savings. Other eligible projects include wastewater treatment, water supply, certified green buildings, biodiversity conservation and interventions that increase resilience to climate change. Manufacturing must produce renewable-energy components or other products critical to industry that reduce greenhouse-gas emissions using modern technologies. Electric and hybrid vehicles are subject to normal vehicle-financing terms, with flexible interest rates. The wider offer also supports social projects.
Bank Windhoek provides loan finance that you must repay. Repayment terms depend on the facility and your financial position. Published benefits include no deposit, terms up to 72 months and flexible interest rates at prime depending on credit assessment. The administration fee is 1% of the approved loan value. Benefits are assessed case by case for individual loans up to N$500,000 and SME/business loans up to N$1,500,000. These are benefit thresholds, not absolute limits: there is no universal minimum or maximum, and larger amounts are structured individually after credit assessment.
Collateral may be required for up to 100% of the loan value, depending on the client. A solar photovoltaic system can itself serve as security under certain asset-finance conditions; other green or social projects require alternative collateral. Qualifying clients may receive partly unsecured finance. Standard credit criteria and terms apply.
Eligibility
Your project must be financially feasible and provide environmental or social benefits. The bank assesses your risk profile and ability to repay.
- Existing clients must be at least 18, have an active Bank Windhoek Transactional or Current Account, and reside in Namibia. Each credit application is assessed individually.
- New individual customers must supply a Namibian ID, proof of residence, their latest payslip and bank statements showing salary deposits over the last three months. They must offer an unbonded residential property—one without an existing mortgage—as collateral. Additional credit assessment criteria apply.
- New business customers must supply at least six months of bank statements, annual financial statements and year-to-date management accounts, cash-flow, income and balance-sheet projections, and a business plan demonstrating viability and sustainability. They must offer an unbonded residential property as collateral, complete the Business Finance application form and open a Business Account if approved.
For renewable-energy installations, the bank requires suppliers or installers to be affiliated with a professional body that certifies they can perform the installations safely. On request, the bank can provide a list of credible installers vetted by the Renewable Energy Industry Association of Namibia, approved by the Ministry of Mines and Energy, or certified by a reputable renewable-energy entity.
How to apply
- Állapot
- Folyamatosan nyitva
- Az adott pályázati kör feltételei
- Approval depends on credit assessment and repayment ability.
Visit your nearest Bank Windhoek branch to start the standard loan application process. Obtain at least two supplier quotations and provide the documents for your customer category. The bank approves or rejects the application after evaluating the information you supply.
You can also send a detailed enquiry to sustainabilityloan@bankwindhoek.com.na. The Sustainability Loan is an everyday offering.