Home energy loan
Borrow up to DKK 250,000 for home energy improvements, with security in your property or cooperative housing share.
Esta oportunidade está atualmente disponível em inglês.
You can finance solar panels, heating and ventilation, insulation of the building, and doors and windows that improve your home’s energy use.
Middelfart Sparekasse lends you the money, which you repay with interest. Its price example effective from 1 October 2026 uses DKK 200,000 of credit and a loan principal of DKK 208,611 over 10 years: 3.35% stated interest, 3.39% effective annual interest, and 4.32% annual percentage rate (APR), which includes borrowing costs. The example has quarterly payments of DKK 6,247 towards interest and the debt, with total repayment of DKK 245,709. These are example figures. Interest rates are variable unless expressly agreed otherwise, so the rate can change.
The establishment fee is DKK 1,500 plus 1%, with a possible property valuation fee. The schedule also lists registration tax of 1.25% plus DKK 1,825 for the security.
Eligibility
The loan is for energy improvements to your home. Middelfart Sparekasse generally follows the energy-saving subsidy decree when assessing improvements.
- The loan always requires security in real property or a cooperative housing share.
- You must document the energy improvements with invoices for the work when it is completed and the loan is paid out.
- Private-customer products must be used for private purposes unless you have a written agreement on business terms.
How to apply
- Estado
- Aberto continuamente
Book a meeting with a Middelfart Sparekasse adviser through the online form. It accepts both existing and new customers; choose the housing topic and explain your planned energy improvements. The adviser helps assess the renovation and financing options.
Before starting work, you can bring quotations from a tradesperson or building-supplies store. Provide invoices documenting the completed improvements when the loan is paid out.