mortgages and loans

Efficient Home Loan

Invest in assets for your home that mean fewer CO₂ emissions and more rational energy use.

Characteristics

A €300 minimum and €40,000 maximum amount and a term of up to 5 years.

Variable interest rate: 12-M Euribor + 1.75% (APR: 3.888%*).

No assessment or partial or total cancellation fees.

Maximum adaptability of the loan instalments to suit your annual income.

The estimate of an installer certified by the Climate Change Office must be submitted.

*Calculation of the APR for an amount of €10,000 to be repaid within 5 years. The 12-M Euribor on 07/01/2025. will be applied.

The granting of a loan is subject to the bank’s risk criteria.

Installation of heating, cooling and SHW (Sanitary Hot Water) systems with energy ratings types A, B and C (new labelling between A and G).
Condensing boilers: installation of heating and hot water systems that use condensing boilers.
Heat pumps: installation of a heat pump heating and cooling system.
Aerothermal: installation of a heating, cooling and sanitary hot water system that uses an aerothermal system.
Geothermal: geothermal installation, systems that transform the heat of the subsoil into thermal energy (heating, cooling and sanitary hot water).

Smart control devices for water, electricity and ventilation and air conditioning for efficient comprehensive energy management.

Replacement of external enclosures: Installation of aluminium or PVC windows with a thermal break, low emissive double glazing

The granting of a loan is subject to the bank’s risk criteria.