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Home energy efficiency loan

Improve the energy efficiency of your house

House renovation. Even better than you planned.

New solution on making improvements to your private house! Do it an energy efficiently and you will get especially good loan conditions.

  • Loan collateralized by real estate starts from 20 000 €.
  • Special interest rate, starting from 1.99% + 6 month euribor*.
  • For energy efficiency improvements in your private house.
Apply

* Negative Euribor equals to zero.

Maximum loan amount calculator

Dependants are deemed to be children of up to 18 years of age and family members who have no regular income (e.g. a spouse who is on parental leave and does not receive the parental benefit). The income means the wages or other proven remuneration received on the current account. If you take out a loan with a co-applicant, please add your total income to the calculator. Small loan, credit card, overdraft, line of credit, study loan and other short-term credits

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Loan and Insurance payment calculations are approximate and may differ from your personal offers. Home insurance and loan payments protection insurance is provided by Swedbank P&C insurance AS. Life insurance is provided by Swedbank Life Insurance SE.

  • For improving of your existing private house (for example, private house, twin house, row house, country house), including works which improve energy efficiency, such as:

    • Insulation of all or separate structural elements of the house (walls, floor, ceilings, roof, foundation, etc.).
    • Installation of centralized or local ventilation system with recuperation.
    • Replacing doors and/ or windows with new/more energy efficient ones.
    • Installation of a heating system management tool.
    • Other tools which will improve energy savings (e.g. solar panels, LED lighting, etc.).
  • No need for a down payment as your property is the collateral.
  • Fill in the application on the Internet Banking site and get a consultation.
  • Evaluation by an independent valuator of real estate and cost estimation will be needed after consultation.
  • The bank notifies you of its loan decision.
  • Sign the loan agreement on the Internet Banking site and set up home insurance or review your insurance covers.
  • After the notarial transaction, the bank will disburse the loan.
  • After you finalize your planned renovations, don’t forget to share your result with the bank by sending in photos.
  • Loan amount from € 20,000.
  • Loan up to 85% of collateral value.
  • Loan term up to 30 years.
  • Income at least €700 per month after taxes, at least €950 per month with a co-borrower.
  • Interest rate consists of individual interest margin from 1.99% + 6-month Euribor.
  • Additional expenses (notary, real estate valuation, pledge registration fee) and bank fees will apply to your loan.
  • Loan is repayable on the basis of annuity or amortization schedule within the agreed term by pre-determined monthly payments on your chosen payment date.

Calculate notary and state fees

Historical base rate

  • After completing your energy efficiency renovation work, you will need to send photos as proof.
  • If you fail to use the loan according to its purpose, the bank will have the right to increase the interest rate up to an individually agreed margin.

Fees

 

Effective as of 18.03.2020
Housing loan and Home equity loan
Agreement fee 1% of the loan amount, no less than 190 €
KredEx collateral fee 3 % of the surety amount
Amendment of the agreement 190 €
excl. loan principal repayment holiday free of charge
excl. amendment of the payment date (in branch or in Internet Bank) free of charge
excl. amendment of the servicing account (in branch or in Internet Bank) free of charge
Lowering the interest rate, formalisation of an additional sum 1% of the loan amount, no less than 190 €
Early repayment fee (including partial repayment)
in a branch In the event of early repayment of a fixed-interest euro loan in the course of the period of fixation of the loan interest rate, an early repayment fee is charged as a difference between the contractual fixed interest rate of the euro and the fixed interest rate of the euro in the period from the early repayment until the end of the interest rate fixation. The early repayment fee is calculated on the respective period as from the date of early repayment until the contractual date of expiry of the fixation. the amount of 3 months' interest (not applied in case of 3 months' advance notice)
in digital channels In the event of early repayment of a fixed-interest euro loan in the course of the period of fixation of the loan interest rate, an early repayment fee is charged as a difference between the contractual fixed interest rate of the euro and the fixed interest rate of the euro in the period from the early repayment until the end of the interest rate fixation. The early repayment fee is calculated on the respective period as from the date of early repayment until the contractual date of expiry of the fixation. the amount of 1 month interest
Fee for processing arrears 3,20 €
Penalty ECB interest rate + 8% a year (currently 0.022% a day, 8.00% a year) The interest rate applicable to the main refinancing operations of the European Central Bank (the ECB interest rate). The ECB interest rate is published in the Ametlikud Teadaanded. The default interest rate may change twice a year (on January 1 and July 1) if the ECB interest rate has changed.
Student loan
First application (in the 2020/2021 academic year) free of charge
First application via the Internet Bank free of charge
Refinancing 7 €
Amendment of the repayment schedule (frequency of repayment and amendment of the due date of the schedule) 7 €
Preparation of a special schedule 16 €
Penalty ECB interest rate + 8% a year (currently 0.022% a day, 8.00% a year) The interest rate applicable to the main refinancing operations of the European Central Bank (the ECB interest rate). The ECB interest rate is published in the Ametlikud Teadaanded. The default interest rate may change twice a year (on January 1 and July 1) if the ECB interest rate has changed.
Default interest after the due date of the loan (i.e. after termination of the agreement by the bank) annual interest rate under the agreement
Compensation for prepayment of the loan amount or a part thereof

If the collateral is property, the amount of the compensation may not be bigger than the amount the borrower would have paid as interest in the period between the prepayment date and the loan maturity date.

Applies to the agreements concluded since 01.07.2011.

1% of the prepaid loan amount or the part thereof if the period between the prepayment date and the loan maturity date is longer than one year
Compensation for prepayment of the loan amount or a part thereof

If the collateral is property, the amount of the compensation may not be bigger than the amount the borrower would have paid as interest in the period between the prepayment date and the loan maturity date.

Applies to the agreements concluded since 01.07.2011.

0.5% of the prepaid loan amount or the part thereof if the period between the prepayment date and the loan maturity date does not exceed one year
Credit line
Annual interest rate 13-22%
Agreement fee in a branch 1,5% of the credit limit, no less than 45 €
Agreement fee in Internet Bank (i.e. there is an offer) 1,5% of the credit limit, no less than 35 €
Commitment fee 1,2% of the unused credit limit (annual rate)
Automatic credit limit extension fee free of charge
Increasing the credit limit 1% of the additional credit limit, no less than 35 €
Credit limit reduction fee free of charge
Amendment of the payment date free of charge
Amendment of the servicing account free of charge
Early termination of the agreement free of charge
Penalty ECB interest rate + 8% a year (currently 0.022% a day, 8.00% a year) The interest rate applicable to the main refinancing operations of the European Central Bank (the ECB interest rate). The ECB interest rate is published in the Ametlikud Teadaanded. The default interest rate may change twice a year (on January 1 and July 1) if the ECB interest rate has changed.
Default interest after the end term of the agreement (i.e. after termination of the agreement by the bank) annual interest rate under the agreement
Small loan
Annual interest rate 12,90-22,90%
Agreement fee in a branch 1,5% of the loan amount, no less than 50 €
Agreement fee in Internet Bank and Mobile Bank (i.e loan agreement concluded based on an offer) 1,5% of the loan amount, no less than 35 €
Formalization of an additional amount in a branch 1,5% of the additional amount, no less than 50 €
Formalization of an additional amount in Internet Bank 1,5% of the additional amount, no less than 35 €
Amendment of the agreement 25 €
Amendment of the payment date free of charge
Amendment of the servicing account free of charge
Re-registration of loan products into a small loan 1,5% of the loan amount, no less than 35 €
Repayment of the loan (including partial repayment) free of charge
Penalty ECB interest rate + 8% a year (currently 0.022% a day, 8.00% a year) The interest rate applicable to the main refinancing operations of the European Central Bank (the ECB interest rate). The ECB interest rate is published in the Ametlikud Teadaanded. The default interest rate may change twice a year (on January 1 and July 1) if the ECB interest rate has changed.
Default interest after the due date of the loan (i.e. after termination of the agreement by the bank) annual interest rate under the agreement
Car loan
Annual interest rate 7,90-16,90%
Agreement fee 1,5% of the loan amount, no less than 100 €
Amendment of the interest rate 50 €
Other fees according to small loan price list
Home small loan
Annual interest rate 7,90-14,90%
Agreement fee 1% of the loan amount, no less than 100 €
Formalization of an additional amount 1% of the additional amount, no less than 100 €
Amendment of the interest rate 50 €
Other fees according to small loan price list

With the self-service feature, you can:

  • change free of charge payment date after the monthly payment has been made;
  • change free of charge payment account;
  • make early partial repayments.

In other cases (applying for a grace period, prolonging the payment term, change or release of additional collateral), fill in the loan agreement application.

Real Estate Evaluators accepted by Swedbank to value commercial and residential properties

Real estate company Address Phone
1 Partner Kinnisvara
Area: whole Estonia
Property type: residential and commercial property
www.1partner.ee
Rävala pst 3, Tallinn
1partner@1partner.ee

Soola 2, Tartu
tartu@1partner.ee
66 84 700
50 46 190

73 66 006
Arco Real Estate AS offices
Area: whole Estonia
Property type: residential and commercial property
www.arcovara.ee
Tallinna office
Rävala pst 5, Tallinn
tallinn@arcovara.ee
614 4600
Tartu office
Soola 8, Tartu
tartu@arcovara.ee
744 2218
Pärnu office
Rüütli 47, Pärnu
parnu@arcovara.ee
447 1430
Viljandi office
Lossi 18, Viljandi
viljandi@arcovara.ee
435 9966
Rakvere office
Laada 14, Rakvere
viru@arcovara.ee
324 0888
Narva office
Tallinna mnt 19c, Narva
narva@arcovara.ee
357 7227
Jõhvi office
Rakvere 16, Jõhvi
johvi@arcovara.ee
337 0400
Arco Real Estate AS representatives Saaremaa representative
Diana.Nomme@arcovara.ee
514 1045
Hiiumaa representative
Diana.Nomme@arcovara.ee
514 1045
Haapsalu representative
haapsalu@arcovara.ee
555 222 55
Otepää representative
Kerli.Koha@arcovara.ee
565 076 37
Valga representative
Kerli.Koha@arcovara.ee
565 076 37
Jõgeva representative
Kerli.Koha@arcovara.ee
565 076 37
Võru representative
Kerli.Koha@arcovara.ee
565 076 37
Põlva representative
Reet.Varnik@arcovara.ee
5757 0246
Järvamaa representative
paide@arcovara.ee
512 4236
Colliers International Advisors OÜ
Area: whole Estonia
Property type: commercial property
www.colliers.ee
Valukoja tn 8, Tallinn
Colliers.Estonia@colliers.com
616 0777
Domus Kinnisvara Vahendus OÜ
Area: whole Estonia
Property type: residential and commercial property
www.domuskinnisvara.ee
Pärnu mnt 130, Tallinn 11317
info@domuskinnisvara.ee
646 4035
Riia 4, Tartu 51104
tartu@domuskinnisvara.ee
742 3100
Pikk tn 11, Pärnu 80013
parnu@domuskinnisvara.ee
443 1154
Tallinna mnt 19C, Narva 20303
narva@domuskinnisvara.ee
356 6411
Tallinna tn 6, Viljandi 71020
viljandi@domuskinnisvara.ee
433 4411
Kauba tn 5, Kuressaare 93819
kuressaare@domuskinnisvara.ee
453 6433
Eri Kinnisvara OÜ
Area: whole Estonia
Property type: residential and commercial property
www.eri.ee
Tartu mnt. 16, 10117 Tallinn
hindajad@eri.ee
Kaluri 2, 51004 Tartu
tartu@eri.ee
60 6007
60 60077
Kaanon Kinnisvarabüroo OÜ
Area: whole Estonia
Property type: residential and commercial property
www.kaanon.ee
Tallinn office
Endla 6, Tallinn
tallinn@kaanon.ee
665 9585
Tartu office
Riia 24, Tartu
tartu@kaanon.ee
735 0850
Kinnisvaraekspert OÜ
Kinnisvaraekspert Pärnu OÜ
Area: whole Estonia
Property type: residential and commercial property
Kinnisvaraekspert OÜ
Pärnu 82, Tallinn
tallinn@kinnisvaraekspert.ee
626 4250
Kinnisvaraekspert Pärnu OÜ
Pikk 12, Pärnu
parnu@kinnisvaraekspert.ee
442 0700
Lahe Kinnisvara
Area: whole Estonia
Property type: residential property
www.lahekinnisvara.ee
Tallinna kontor
Peterburi tee 2f, Tallinn
tallinn@lahekinnisvara.ee
608 0530
Tartu kontor
Lai tn 39, Tartu
tartu@lahekinnisvara.ee
5622 2313
Viljandi kontor
Tallinna 19/21, Viljandi
viljandi@lahekinnisvara.ee
512 4565
Pärnu kontor
Hommiku 2, Pärnu
parnu@lahekinnisvara.ee
525 0142
LVM Kinnisvara OÜ
Area: Pärnumaa, Saaremaa, Hiiumaa, Harjumaa, Tartumaa, Jõgevamaa, Võrumaa, Valgamaa
Property type: residential and commercial property
www.lvm.ee
Keskväljak 1, Pärnu 80010
parnu@lvm.ee
4 477 000
56 56 800
Tallinna 16, Kuressaare 93819
kuressaare@lvm.ee
4 526 700
Fax 45 26 0444
Liivalaia 13, Tallinn
tallinn@lvm.ee
68 43 700
Vallikraavi 2, Tartu
tartu@lvm.ee
56 287 500
Ober-Haus Hindamisteenuste OÜ
Area: whole Estonia
Property type: residential property
www.ober-haus.ee
Narva mnt 53, Tallinn
info@ober-haus.com
6 659 700
Narva mnt 27A, Tartu
tartu@ober-haus.com
7446 500
Keskväljak 4, Jõhvi 33 70 768
Pindi Kinnisvara OÜ offices
Area: whole Estonia
Property type: residential and commercial property
www.pindi.ee
Tallinna office
Tartu mnt. 16, Tallinn 10117
tallinn@pindi.ee
610 3900
Fax 610 3901
512 0280
Rapla office
Tallinna mnt 4, 79513 Rapla
rapla@pindi.ee
482 1408
Tartu office
Kaluri 2, 51004 Tartu
tartu@pindi.ee
744 1116
Pärnu office
Aida tn 5, Pärnu 80010
parnu@pindi.ee
447 1075
521 4985
Narva office
Puškini 10, Narva 20308
narva@pindi.ee
357 5115
Rakvere office
Turu plats 3, 44310 Rakvere
rakvere@pindi.ee
327 7100
Kuressaare office
Tallinna 11, Kuressaare 93819
kuressaare@pindi.ee
452 9500
Paide office
Pärnu tn 6, 72712 Paide
paide@pindi.ee
384 6015
Valga office
Vabaduse 26, 68204 Valga
valga@pindi.ee
610 3903
Viljandi office
Tartu tn 11/Lossi 29, 71004 Viljandi
viljandi@pindi.ee
433 0111
Haapsalu office
Tallinna mnt 1, 90507 Haapsalu
haapsalu@pindi.ee
472 0830
Jõhvi office
Rakvere 15, 41533 Jõhvi
johvi@pindi.ee
332 7676
Võru office
Kooli 6, 65606, Võru
voru@pindi.ee
786 0936
Pindi Kinnisvara OÜ representatives Põlva representative Ralf Kiidjärv
ralf.kiidjarv@pindi.ee
5657 7639
Türi representative Maire-Anu-Liiis Oidsalu
maire.oidsalu@pindi.ee
5667 9221
Kärdla representative Anti Suu
anti.suu@pindi.ee
504 2164
Tapa representative Anu Veldre
anu.veldre@pindi.ee
501 3658
Jõgevamaa representative Ege-Grete Engbusk
ege-grete.engbusk@pindi.ee
5551 5382
RE Kinnisvara AS
Area: Harjumaa, Raplamaa
Property type: residential and commercial property
www.re.ee
Tatari 64, 10134 Tallinn
info@re.ee
6 688 666
Seven Kinnisvarakonsultandid OÜ
Area: whole Estonia
Property type: residential and commercial property
www.re.ee
Rävala pst 3, Tallinn 10143
info@re.ee
529 3028
Uus Maa Kinnisvarabüroo OÜ
Area: whole Estonia
Property type: residential and commercial property
www.uusmaa.ee
Maakri 19/1, Tallinn
uusmaa@uusmaa.ee
627 2600
Ülikooli 2, Tartu
tartu@uusmaa.ee
744 1144
Akadeemia tee 7, Pärnu
parnu@uusmaa.ee
442 0380
Turu plats 5, Rakvere
rakvere@uusmaa.ee
322 3601
Rakvere 17, Jõhvi
johvi@uusmaa.ee
337 9750
Tallinna mnt 9, Kuressaare
kuressaare@uusmaa.ee
453 6873
Lossi 22, Viljandi
viljandi@uusmaa.ee
435 1361
Jõgeva representative
jogeva@uusmaa.ee
58 14 5068
Haapsalu representative
haapsalu@uusmaa.ee
47 31 448
Võru representative
voru@uusmaa.ee
53 73 0096

If you are planning to borrow less than €20,000 for home improvements – we recommend taking a look at these loan conditions.

A home loan will be the perfect solution if you need a loan for a new home or construction.

Make smart purchases with the help of the Small loan.

A loan for purchasing and installing solar panels to produce electricity for your own needs.

If you have any questions, please contact us at

  • phone(+372) 613 1324 (Mon-Fri 09:00-17:00)

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