Green mortgage
Buy or own a home with qualifying energy or environmental certification and receive a 0.10 percentage point discount on your mortgage interest rate.
Această oportunitate este disponibilă momentan în limba engleză.
The discount can be combined with other SEB mortgage discounts. Your home is pledged as security, and you repay the loan with interest.
You can receive the discount on a new mortgage or when the terms of an existing mortgage change. For a three-month interest rate, that terms change date occurs once a year. For longer fixed-rate periods, the terms apply until the fixed period ends.
Eligibility
Your home must meet at least one of these conditions:
- Energy class A or B under Boverket’s classification from 1 January 2014, or energy class A0. Your home’s energy declaration shows its energy class.
- A Svanen-labelled house, certified through Miljömärkning Sverige.
- Miljöbyggnad Gold or Silver certification through Sweden Green Building Council.
- Certification as a passive house.
You need an SEB account and online banking, and home insurance from an insurer approved by SEB. SEB checks your credit and assesses your income, employment and overall finances before deciding how much you can borrow.
When buying a home, your mortgage cannot exceed 90% of the home’s value. You must pay the remaining 10% as a down payment from your own money. This limit concerns how much you can borrow; the green discount reduces your interest rate by 0.10 percentage points.
How to apply
- Statut
- Deschis continuu
If you do not have a mortgage, start by applying for a loan promise (bolånelöfte): SEB’s conditional advance assessment of how much you can borrow, rather than approval for a particular home.
If your mortgage is already with SEB, leave your phone number on the green mortgage page so the bank can contact you about the discount. You can also call SEB’s mortgage team on 0771-365 365, weekdays 08:00–17:00.