home energy loan

A home energy loan from Holm Bank is a special-purpose loan for improving the energy efficiency of your home. We developed this service to provide financing for people who want to buy solar panels or wind turbines, upgrade their air conditioning or heating or invest in other sources of energy for their homes, thus saving on gas and electricity costs. Any such device will add value to your home, allow you to be more independent and leave you less affected by energy prices. A home energy loan is also ideal for financing the insulating of a home, whether that involves replacing windows, sealing foundations or something else entirely. We offer two types of payment schedules on home energy loans: a regular one; and a seasonal one, in the case of which you only have to pay interest during the period of greatest energy consumption.

You can apply for a home energy loan on our self-service site, e-mailing the invoice providing evidence of your purchase to info@holmbank.ee. Consider your decision carefully and review the terms and conditions of the contract.

If you have any questions or would like a consultation, feel free to contact us.

In order to fulfil the due diligence obligation set for us as a bank, we ask you to identify yourself by video in the Veriff OÜ environment if the total amount of your loans is 15,000 euros or more. If you are not a citizen of the Republic of Estonia, we might also ask you to identify yourself. A device with an Internet connection and a working camera is required for verification. Have your ID ready and follow the step-by-step instructions on screen. We will send you an email with a personal link to verify your identity.

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Additional information

The financial services provider is Holm Bank AS. Review the terms and conditions of the contract and consult an expert. The annual percentage rate of charge is 9.72% on the following sample conditions – loan amount: €15,000; contractual fee: €150.00; repayment period: 60 months; fixed interest rate: 4.9% of loan amount per annum; total amount payable: €18,825.00; net repayments: €18,825.00; number of repayments: 60.

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