What purchases are considered as improving home energy efficiency?
- heat pump
- wind turbine
- electricity storage equipment (battery)
- charging equipment for electric vehicles
- ground heating
If you want to buy a solar power plant, please read information about Solar panel loan.
If you plan to make another environmentally friendly purchase that is not listed here, please fill in the consumer loan application and choose loan purpose “Other”.
Purchases above 15 000 EUR can be financed with a consumer loan or a home loan
Consumer loan
- Repayment period up to 7 years
- Fixed annual interest rate starting from 6.9%
- No collateral or down payment required
Home loan
- Repayment period up to 30 years
- Interest rate usually lower than for a consumer loan
- Down payment and collateral are required
Calculate your loan options
Easy application process
- Fill in the application and select “Improving home energy efficiency” as the purpose of the loan.
- We’ll get in touch when we have an offer or any follow-up questions.
- You can sign the agreement in your internet bank after our positive credit decision.
Why choose SEB?
- You can include SEB Loan Protection Insurance for added security for unexpected situations
- Immediate transfer to your account after the agreement is signed
- No early repayment fee
- Fixed interest rate for the entire loan term
- No monthly administration fee
- No collateral or down payment required
Loan Protection Insurance
- Increase your sense of security when taking a loan
- Protect yourself in case of unexpected events
Annual percentage rate as a typical example
The annual percentage rate of charge of a consumer loan is 9.9% under the following sample conditions
• loan amount of 9,300 euros
• contract fee of 93 euros
• fixed annual interest rate of 8.9%
• repayment of 69 annuity payments in 69 months
• monthly fee of current account 0.30 euros
The amount of repayments by the customer is 11,954.94 euros and the total amount of the loan is 12,068.64 euros.
The annual percentage rate of charge of a consumer loan together with the loan protection insurance offered by SEB is 11.83% under the following sample conditions
• loan amount of 9,300 euros
• contract fee 93 euros
• fixed annual interest rate 7.9%
• repayment of 69 annuity payments in 69 months
• monthly fee of current account 0.30 euros
• the total amount of insurance premiums is 869.52 euros
The amount of repayments by the customer is 11,636.42 euros and the total amount of the loan is 12,619.64 euros.
The insurer is the Estonian branch of SEB Life and Pension Baltic SE. Unemployment insurance cover is provided by the Estonian branch of AB Lietuvos draudimas.