Energy loan for businesses and housing associations
Borrow for energy improvements to property owned by your business or housing association, with the loan amount assessed against the property’s cash flow and existing borrowing.
Ta możliwość jest obecnie dostępna po angielsku.
The loan covers materials and labour for energy investments. Eligible work includes windows and doors, insulation of attics, façades and roofs, heat pumps using ground, air, air-to-water or exhaust-air heat, heat-recovery systems and mechanical ventilation that recovers heat (FTX), district heating and cooling, solar electricity panels, solar thermal collectors and solar batteries. LED lighting with presence controls and charging points close to the property are also covered.
Before the bank pays out the loan, you must show invoices itemising one or more eligible investments. The bank states that no further monitoring or reporting is required for this loan.
The bank sets the loan amount according to your needs, the property’s cash flow and how much is already borrowed against its value. There is no fixed minimum or maximum. Property mortgage deeds are normally used as security; the acceptable borrowing relative to property value depends partly on the type of property. Interest is individually priced, with fixed or variable rates available. You repay the borrowed money through amortisation on a schedule agreed with the bank.
Eligibility
- Apply as the representative of the business or association that owns the property. All property types capable of energy-efficiency work can qualify. Private consumers use other loan offers.
- Windows and doors must have a U-value of 1.1 or lower. U-value measures heat passing through the product: a lower value means less heat loss.
- You must already be a bank customer or intend to transfer your property finance to Hälsinglands Sparbank as part of the energy renovation. Both new and existing customers must pass the bank’s customer checks, so it understands the purpose of the relationship and your transactions, as well as its normal credit assessment.
How to apply
- Status
- Nabór ciągły
- Warunki naboru
- Customer status is required to submit a business-loan application; new customers can onboard and transfer property finance.
Start through Hälsinglands Sparbank’s energy-loan application route or contact the bank to book advice. If you are new to the bank, first use its business or association onboarding route; applying for a business loan requires customer status.
Existing customers can log into the internet bank or app and use the form under Loans. The person applying needs unrestricted permission in the new internet bank. Describe your business’s financing needs and submit the form. The bank takes a credit report through UC and calls you within a few days to discuss financing.