Green mortgage
A mortgage for individuals who own, buy or build a home with energy rating A or B.
Ez a lehetőség jelenleg angolul érhető el.
Sparebanken Møre lends money for a home with energy rating A or B and also accepts transfers of existing mortgages on qualifying homes. The bank describes A-rated homes as having a heat pump or solar energy and improved insulation; B-rated homes have a heat pump or solar energy and/or insulation beyond building-regulation requirements. The home’s energy grade determines qualification.
For loans within 90% of the purchase price or market value, the advertised nominal interest rate starts at 5.44%, regardless of loan amount. The effective rate starts at 5.62% and reflects borrowing costs. The representative example borrows NOK 4 million over 25 years, with monthly payments in arrears, a NOK 75 payment fee, NOK 1,200 security-administration cost and NOK 2,500 establishment cost. The borrowed money must be repaid, with interest and fees; the example illustrates a repayment schedule rather than a guaranteed term for every borrower.
Eligibility
- You must own, be buying or be building a home with energy rating A or B. When buying a home, check its energy grade in the sales particulars or advertisement. Existing homeowners can obtain an energy certificate by registering the home’s type, year of construction, floor area and heating method on the energy-labelling service.
- The bank normally allows borrowing up to five times annual income before tax.
- It recommends at least 10% of the funding from your own money. With additional security, you can apply for up to 100% financing. This is an application option; the published green-mortgage price band covers loans within 90% of purchase price or market value.
How to apply
- Állapot
- Folyamatosan nyitva
Contact a Sparebanken Møre adviser or customer service to request a green-mortgage offer. The bank’s product page provides telephone, chat and adviser-meeting routes.
If you are a new customer, use the bank’s customer-registration page. Adults over 18 with BankID can register digitally. If you do not have BankID, fill in the registration form and the bank will contact you to help you continue.