Vivienda +Sostenible
A personal loan for household energy improvements, including solar panels, insulation and more efficient home installations.
Denne finansieringsmuligheten er foreløpig beskrevet på engelsk.
You can finance solar photovoltaic or solar thermal panels, boiler replacement, electric-vehicle charging points, insulation of façades and roofs, doors and windows, and more efficient lighting and installations. The offer also covers accessibility work such as ramps, door adaptations and bathroom changes.
Borrow up to €60,000 for up to 96 months at a fixed nominal interest rate of 4.90%. Once approved, the loan money is paid into your account; you repay it through fixed monthly instalments. The loan uses personal security, so you are personally responsible for repayment.
There is no opening fee or early-repayment charge. The associated account costs €30 per quarter, paid in March, June, September and December. The APR, which includes that account cost, varies with the amount and term: the examples are 5.38% for €60,000 over eight years, 6.50% for €15,000 over six years and 12.71% for €3,000 over one year.
Eligibility
- The work can be for your main home or a second home, whether an apartment or a single-family house.
- Ibercaja must approve the loan under its consumer-lending risk requirements.
- Ibercaja’s loan FAQ states that borrowing above €27,000 requires a notary to be involved.
How to apply
- Status
- Løpende søknader
- Vilkår for søknadsrunden
- Subject to Ibercaja consumer-loan credit approval.[^c5]
Use the information request form on Ibercaja’s Vivienda +Sostenible page. Ibercaja will contact you about the financing.