VR-Klimakredit
A fixed-rate loan of €10,000–€75,000 for homeowners improving the energy efficiency of a house or condominium, without collateral.
Această oportunitate este disponibilă momentan în limba engleză.
Finance heating upgrades, heat pumps, insulation of the roof, façade or basement ceiling, windows and exterior doors, solar thermal systems, photovoltaic panels, battery storage, and energy-related planning and construction supervision.
You borrow €10,000–€75,000 and repay the loan over 2–10 years with a fixed interest rate and fixed instalments. The bank advertises an effective annual rate of 4.58%, subject to a positive credit assessment. Its residential-energy example, dated 24 September 2026, uses a €55,000 loan over 120 months at a fixed nominal rate of 4.49%: 119 monthly payments of €569.75 and a final payment of €569.18, totalling €68,369.43 including interest.
Special repayments can shorten the loan term and reduce interest costs. The loan can in many cases be combined with public grants, other support programmes or tax incentives, and can bridge funding before subsidies are paid.
Eligibility
You must own a residential house or condominium, use the loan for energy-efficiency modernisation, and pass the bank’s credit assessment.
If you carry out renovation work yourself, the loan can cover material costs for energy improvements when supported by evidence such as quotes or invoices.
How to apply
- Statut
- Deschis continuu
- Condițiile sesiunii de finanțare
- Applications and consultations are available to new customers; lending requires a positive credit assessment.[^c1][^c6]
Contact Volksbank Raiffeisenbank Regensburg-Schwandorf eG through the official product page to arrange a consultation. New customers can book a video or branch appointment; the bank also provides the telephone route 0941 5847-0.
Plan your project and obtain a quote. Provide your three most recent salary statements, a property-register extract no older than three months, and a cost estimate. The bank assesses the request and states it will respond within two banking working days. After approval, it pays the loan directly into your account.