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Home energy efficiency loan

Examples of the annual percentage rate

Home loan

The initial annual percentage rate is 6,188% on the following (example) conditions:

  • loan of €123 000;
  • total floating interest rate 5,923% per annum, incl margin 1,82% + 6 months' Euribor (as at Oct 16 2023 the 6-month Euribor rate was 4,103%; the rate set out in your agreement may change every 6 months);
  • contract fee of €190;
  • repayment period of 30 years;
  • number of repayments 360;
  • the sum of repayments €265 418,27;
  • the total cost of the credit €142 608,27;
  • the total sum of the credit €265 608,27.

The rate is calculated on the assumption that the amount of credit is being issued immediately and in full and that the basic amount and interest will be repaid as monthly annuity payments. The loan agreement is secured with a mortgage. Upon taking a loan, a home insurance contract must be entered into. The rate does not include costs associated with the establishing or insuring of collateral.

Improve the energy efficiency of your house

Special offer! Interest for the first year is 0% + 6 months’ Euribor.*

The loan is suitable for making your house more energy-efficient – insulating, changing the heating system, or other works!

  • Loan collateralized by real estate starts from 20 000 €.
  • For energy efficiency improvements in your private house.
  • Option to choose between variable or fix interest rate

For you as our Gold client, the Agreement fee is –30% and home insurance –25%.

For you as our young client, the Agreement fee is –30%.

* Special offer is valid for new applications submitted until 31.12.2024. Interest of 0% + 6 months’ Euribor will apply for the first years, afterwards the contractual interest will apply. More detailed information on the conditions is available at the bottom of the page under "Conditions and fees" .

KredEx reconstruction grant for small residences

Also, find out if you can use the KredEx grant. This way, together with the Home Energy Efficiency Loan, you can better cover the costs of reconstruction works. KredEx grant and Swedbank 0% interest offer for the first year provide a good financial gain!

Read more on the KredEx webpage

What are your needs?

Net income should be at least 900 euros, or 1300 euros if taking out the loan with a co-applicant. Your current loan liabilities exceed the optimal monthly repayment amount. Mortgage loan is not available to you. Average net income in the last 6 months.
Small loan, credit card, overdraft, line of credit, study loan and other short-term credits.
  • 0

Results are approximate and may differ from conditions offered to you.

Your total monthly payment cannot exceed %PERCENTAGE%% from your monthly incomes. We recommend You decrease calculated loan amount or consider to change loan term. Loan sum is too small. Minimum sum is 20 000 euros.
  • Down payment starting from 15%.
  • Down payment starting from 10% with the surety of KredEx.
  • Down payment may not be needed if you collateralize your own property.


  • 0

Insure your

  • from 0
  • about 0
  • from 0

See the examples of the annual percentage rate

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.
  • Annual interest rate of 0% + 6-month Euribor, applicable to new agreements applied for between 1 March and 31 December 2024.
  • Important! The loan application must state the address of the property to be renovated.
  • The special offer is valid for one year from the first payout of the loan.
  • The special offer does not apply in the case of refinancing a loan.

Read more about the conditions of the campaign

  • Loan amount from € 20,000.
  • Loan up to 85% of collateral value.
  • Loan term up to 30 years.
  • Income at least €900 per month after taxes, at least €1300 per month with a co-borrower.

You can choose between two interest rates.

  • A floating interest rate, where the annual interest rate consists of an individual margin and the 6-month Euribor. The 6-month Euribor changes every 6 months.
  • A fixed interest rate for the first 5 years, where the annual interest rate consists of the 5-year euro interest rate (euro interest rate swap) and an individual margin. After the end of the fixation period, the annual interest rate changes into the floating interest rate agreed in the loan agreement.

You can find base interest rates here

  • 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.

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.



Effective as of 01.09.2023
Housing loan and Home equity loan
Agreement fee 1% of the loan amount, no less than 190 €
(no less than 400 € when financing construction)
KredEx collateral fee 3 % of the surety amount
Amendment of the agreement 190 €
excl. loan principal repayment holiday 95 €
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
Interest rate revision 0,5% of the loan balance, no less than 190 €
Additional loan amount 1% of the loan amount, no less than 190 €
Early repayment fee (including partial repayment)
in a branch

Euro interest loans concluded before 2022
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.

Euro interest loans concluded since July 2022
The early repayment fee is 1% of the loan amount to be repaid if the period between the early repayment and the fixation period repayment date is longer than one year and 0.5% if the period does not exceed one year. More detailed conditions for determining the fee are provided in the loan agreement.

the amount of 3 months' interest (not applied in case of 3 months' advance notice)
in digital channels (not fixed interest rate loans) the amount of 1 month interest
Fee for processing arrears 3,20 €
Penalty ECB interest rate + 8% a year (currently 0,034% a day, 12,50% a year) ECB interest rate + 8% a year (currently 0,034% a day, 12,25% 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.
Home small loan
Annual interest rate starting from 7,90%
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
  • 1Partner Kinnisvara

  • Area: whole Estonia
  • Property type: residential and commercial property
  • 66 84 700
  • 50 46 190
  • 73 66 006

Arco Vara Kinnisvarabüroo OÜ offices

  • Area: whole Estonia
  • Property type: residential and commercial property
614 4600
744 2218
447 1430
435 9969
324 0888
357 7227
337 0400

Arco Vara Kinnisvarabüroo OÜ representatives

514 1045
514 1045
555 222 55
565 076 37
565 076 37
565 076 37
565 076 37
565 076 37
512 4236

Colliers International Advisors OÜ

616 0777

Domus Kinnisvara Vahendus OÜ

646 4035
742 3100
443 1154
356 6411
433 4411
453 6433

Eri Kinnisvara OÜ

  • Area: whole Estonia
  • Property type: residential and commercial property
606 0077

Kaanon Kinnisvarabüroo OÜ

  • Area: whole Estonia
  • Property type: residential and commercial property
665 9585
735 0850

Kinnisvaraekspert OÜ

Kinnisvaraekspert Pärnu OÜ

  • Area: whole Estonia
  • Property type: residential and commercial property
626 4250
442 0700

Lahe Kinnisvara

608 0530
5622 2313
512 4565
5645 8687

LVM Kinnisvara OÜ

  • Area: whole Estonia
  • Property type: residential and commercial property
  • 4 477 000
  • 56 56 8000
452 6044
  • 68 43 700
  • 5694 1700
710 2000

Newsec Valuations EE OÜ

  • Area: whole Estonia
  • Property type: commercial property
5346 8308

Ober-Haus Hindamisteenuste OÜ

  • Area: whole Estonia
  • Property type: residential and commercial property
6 659 700
7446 500
33 70 768

Pindi Kinnisvara OÜ offices

  • Area: whole Estonia
  • Property type: residential and commercial property
  • 610 3900
  • 512 0280
482 1408
744 1116
  • 447 1075
  • 521 4985
357 5115
327 7100
452 9500
384 6015
610 3903
433 0111
472 0830
332 7676
786 0936

Pindi Kinnisvara OÜ representatives

514 9289
5667 9221
504 2164
501 3658
5551 5382

RE Kinnisvara AS

  • Area: Harju- ja Raplamaa
  • Property type: residential and commercial property
6 688 666

Uus Maa Kinnisvarabüroo OÜ

  • Area: whole Estonia
  • Property type: residential and commercial property
627 2600
744 1144
442 0380
322 3601
337 9750
520 4955
435 1361
58 14 5068
56 241 810
53 73 0096

Interest for the first two years 0%!

The loan is suitable for the purchase and installation of a heat pump and solar panels on your house or land.


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

Special offer for energy class A assets!

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


In July, the agreement fee is €0!

Make smart purchases with the help of the Small loan.

If you have any questions, please contact us at

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