Household energy loan
Borrow for solar panels, heat pumps, insulation and other energy-saving home improvements, with an interest discount after your investment evidence is approved.
Această oportunitate este disponibilă momentan în limba engleză.
You can finance investments that reduce energy consumption, including solar panels, heat pumps, additional insulation and energy-efficient windows. The bank lends the money to you and you repay it monthly, including interest and fees.
You can apply for SEK 15,000–600,000 over 2–12 years. The maximum is SEK 500,000 if you apply alone; borrowing more requires a co-borrower. Each co-borrower is responsible for the whole debt.
The variable annual interest rate is set individually within the published range of 5.20%–16.95%. After the bank approves your investment evidence, it reduces the rate by 0.5 percentage points, subject to the 5.20% minimum. Interest starts when the loan is paid out.
Applying directly through medmerabank.se has no setup fee. A loan broker carries a SEK 495 setup fee. Invoices cost SEK 45, while direct debit has no invoicing fee. Direct debit requires an account with a Swedish bank and an agreement with MedMera Bank. Late payments can incur reminder and collection fees and late-payment interest. You can repay all or part of the loan early without an early-repayment charge.
Eligibility
- All applicants must be at least 20 and have no recorded payment defaults (betalningsanmärkningar) or outstanding balance with the Swedish Enforcement Authority (Kronofogden).
- At least one applicant must have a fixed income of at least SEK 20,000 per month.
- At least one applicant must have permanent employment, have been self-employed for at least two years, or be a pensioner.
- At least one applicant must have been registered as a resident in Sweden for the past three years.
- The bank assesses your creditworthiness before granting the loan. The energy discount requires an investment that can reduce energy consumption and evidence approved by the bank.
How to apply
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Open MedMera Bank’s energy-loan page and select “Till ansökan” to apply for a Privatlån. Select “Bostadsrenovering” (home renovation) or “Övrig privat konsumtion” (other personal consumption) as the loan purpose. The bank says you receive your individual interest offer on screen and normally receive the money within 1–2 working days after approval.
After the loan is paid out, send a message in the internet bank with a receipt copy or photo of your energy-saving investment and your loan number. The 0.5 percentage-point discount starts after the bank receives and approves that evidence, with a minimum rate of 5.20%.