Energy loan
Borrow without pledging your home for energy-saving improvements, with an interest discount after you send a photo of the investment.
Această oportunitate este disponibilă momentan în limba engleză.
You can finance improvements such as heat pumps, solar panels, extra insulation, doors and windows, appliances or an electric-car charging point.
Borrow SEK 30,000–500,000 without providing collateral. You repay the loan over 2–10 years. SBAB sets your interest rate individually and reduces it by 0.50 percentage points after receiving a photo of your completed investment.
You repay the same amount of principal each month, plus interest on the remaining debt. There is no setup fee. You can arrange direct debit; paper invoices cost SEK 25. You can make extra repayments or settle the whole loan in SBAB’s app or online banking. Settling the loan is free and can be done at any time.
From 1 January 2026, interest on this unsecured loan is not tax deductible.
Eligibility
- You must be registered as resident in Sweden and have no payment defaults recorded.
- At least one borrower must have regular income. A sole applicant needs annual income above SEK 225,000; if two people apply, SBAB states a combined annual income of SEK 225,000.
- SBAB assesses whether you can afford to repay the loan. Approval and your interest rate depend on your financial circumstances.
How to apply
- Statut
- Deschis continuu
Apply through SBAB’s energy-loan application online. You see the offered interest rate and receive a direct telephone number to call SBAB.
After approval, sign and return the loan documents. SBAB pays the money into the account you specify, so you can make the investment. When the investment is complete, log in and upload a photo to obtain the interest discount.