The home energy loan is a collateral-free loan that’s designed to help those who want to make their home more energy efficient, for instance by installing solar panels or wind generators or updating their air conditioning and heating equipment. A home energy loan is also ideal for financing the insulating of a home, whether that involve replacing windows, sealing foundations or something else entirely. We offer two repayment schedules on our home energy loan: an ordinary one and a seasonal one, the latter enabling you to pay just the interest on the loan during periods of high energy use. The interest rate on home energy loans isn’t linked to EURIBOR, and you can make fixed repayments based on the schedule you choose.

We make you a personal offer that depends on the amount you’re looking to borrow, the length of your contract and your creditworthiness. You can lodge your application on our self-service site, where it’s also easy to keep an eye on your contracts. Everything – applying, amending your repayment schedule, paying off your loan early and more besides – can be done digitally.

An invoice providing evidence of the purpose of the loan should be e-mailed to info@holmbank.ee. Weigh everything up and review the terms and conditions of the contract before making your decision. If you have any questions or need advice, get in touch with 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 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.

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 10.57% on the following sample conditions – loan amount: €11,000.00; contractual fee: €110.00; repayment period: 84 months; fixed interest rate: 5.44% of loan amount per annum; total amount payable: €15,280.77; net repayments: €15,170.77 ; number of repayments: 84.