Home energy loan
With the home energy loan, you can make your home more energy efficient: buy solar panels, air conditioning and heating equipment or improve the insulation of your house. By opting for a seasonal repayment schedule, you pay only the interest part of the loan during the months of highest energy consumption.
Loan amount
Interest rate
Contract fee
Contract length
Optional
Administration fee
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 involves replacing windows, sealing foundations or something else entirely.
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 – can be done digitally.
An invoice providing evidence of the purpose of the loan should be e-mailed to [email protected]. 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.
Loan payment protection insurance
Loan payment protection insurance offers financial support in the event of unforeseen circumstances that may affect your ability to keep up with your loan repayments. Should you face situations such as long-term incapacity for work or unemployment, the insurance helps cover your monthly loan payments.
You can add this insurance to your loan agreement via our self-service. For more information, please visit loan payment insurance page.
Loan payment protection insurance is provided by If P&C Insurance AS.
Regular and seasonal repayment schedule
When you apply home energy loan loan, you can choose between a regular and a seasonal repayment schedule.
With a regular repayment schedule, all your monthly payments are the same and are fixed for the duration of the repayment period.
With a seasonal repayment schedule, you’ll have a payment break from the loan’s principal repayments for four months every year. That means during the winter, when utility costs tend to be higher, all you pay is the interest on your loan. The repayment break months are November, December, January and February of every year for the duration of your loan. You can choose the repayment schedule that suits you when you enter into your contract.
Frequently asked questions
If you need more time to think things through before you sign the contract, the offer will be pending in our self-service environment.
We follow the principles of responsible lending. Therefore, in some cases, we need your bank statement or digital identification. We will always keep you up to date with the application process.
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 19.79% on the following sample conditions – loan amount: €4,500; contract fee: €67.50; administration fee: 0.99€; repayment period: 44 months; fixed interest rate: 9.99% of loan amount per annum; total amount payable: €6,289.64; net repayments: €6,222.14 ; number of repayments: 48.