Energy loan for companies and housing associations

A representative of the company or housing association that owns the property applies. All property types capable of energy-efficiency improvements can qualify. You must already be a customer or move the property's financing to Sparbanken Eken as part of the energy renovation. Both new and existing customers undergo customer identity and business-purpose checks and a credit assessment.

The Hållbar byggbransch conditions apply when the loan finances new construction, extensions or alterations, including civil-engineering work, that fall under Sweden’s electronic site personnel-register law. For covered work, you must keep an electronic register of the people and companies working on site, linked to a contractor control system. The system must be updated daily, and project reports must reach the bank within 14 days after each agreed reporting period or after a request. Its control thresholds must meet the published specification; deviations must be explained and addressed when needed.

Contractors must normally be entered in the control system’s contractor chain, checked and approved before starting. They need Swedish F-tax approval, employer registration and reported employer contributions for the last 10 months where Swedish law requires these, and no tax debts with the Enforcement Authority unless a payment arrangement exists. If employer contributions have not been reported, you must investigate to a reasonable extent whether this is correct. ID06 cards, or an equivalent system, must link workers to their employers. Exceptional reasons can permit a start before registration, but you must record those reasons in writing and complete checks promptly, no later than 14 days after becoming aware; unapproved contractors must leave the site.

Keep checking tax and employer requirements throughout the work, require correction of breaches and keep the bank informed. Obtain posted-worker registration documentation where the contractor uses posted labour. Your contractor agreements must pass the relevant duties through the subcontracting chain and give you rights to check compliance and act on breaches.

For construction projects with a budgeted or actual contract value above SEK 50 million, arrange at least one unannounced independent site inspection each year; above SEK 500 million, at least two. You or the party assigned the cost in your contract pays. Inspections check contractor approval, worker identification, personnel-register entries and non-EU citizens' right to work in Sweden. Report deviations and corrective actions to the bank. The bank can also inspect at its own expense; if it finds previously unreported deviations, you pay its inspection and follow-up costs.

Breaches of these special construction conditions can lead to a written correction demand and a remedial meeting. The conditions expressly exclude applying the ordinary credit agreement's penalties solely for breach of these special conditions.

Statut

Deschis continuu

Condițiile sesiunii de finanțare

• New customers must move their property financing to Sparbanken Eken. Credit approval and customer checks are required.[^c2]

Contact Sparbanken Eken on 0459-387 77 or use its meeting-request form to discuss the energy loan. The bank also invites applicants to start online from the product page. New eligible customers can apply when moving their property financing to the bank.

Before the bank pays out the loan, provide invoices identifying the eligible investment measures. The energy-loan product has no additional energy-specific reporting requirement. Where the construction conditions apply, provide any additional documents requested before the first payment and promptly report non-compliance; the construction checks and reporting still apply.