Business energy loan
Borrow for energy improvements and renewable energy in property owned by a company or housing association, with materials and labour eligible.
Această oportunitate este disponibilă momentan în limba engleză.
The loan covers windows and doors with a U-value of 1.1 or lower, insulation of attics, façades and roofs, heat pumps, heat recovery and ventilation with heat recovery, and district heating or cooling. The U-value measures heat passing through a window or door; lower values mean less heat loss. Solar panels, solar thermal collectors, solar batteries, LED lighting including occupancy controls, and charging points close to the property also qualify.
Sparbanken Tanum sets the loan amount according to your needs, the property’s cash flow and how much debt it carries relative to its value, without a fixed minimum or maximum. The loan is normally secured against the property through mortgage deeds; the proportion you can borrow also depends on property type. You pay interest at an individually agreed fixed or variable rate and repay the borrowed money on a schedule agreed with the bank.
Eligibility
Apply as a representative of the company or association that owns the property. All property types that can be made more energy efficient can qualify. Private consumers use separate loan products.
You must already be a customer or intend to move the property financing to Sparbanken Tanum as part of the energy renovation. Both new and existing customers must pass the bank’s customer checks, which establish the purpose of the relationship and intended transactions, and its credit assessment.
How to apply
- Statut
- Deschis continuu
- Condițiile sesiunii de finanțare
- Existing customer or new customer moving property financing as part of the energy renovation; new customers join the bank before applying.[^c6][^c11]
Existing customers can apply in the internet bank or app under Loans. The person applying must have unrestricted authority in the new internet bank. Describe your financing needs in the form; the bank then obtains a credit report through UC and contacts you about financing.
New customers must become customers before applying for the business loan. Fill in the bank’s business-customer application and take it, your business plan and budget to the nearest branch. To start a conversation about joining the bank and transferring your property financing, call the local switchboard on 0525-649 00.
Before the bank pays out the loan, present invoices that itemise the eligible investment measures and their material or labour costs. Beyond these invoices, the energy loan has no additional follow-up or reporting requirement.