What purchases are we considering as improving home energy efficiency?
We apply an annual fixed interest rate from 4.9 % for the purchase and installation of:
- a solar power plant or a part of a remote solar power plant
- heat pump (excluding air conditioners for air cooling only)
- wind turbine
- electricity storage equipment (battery)
- charging equipment for electric vehicles
If you are planning other environmentally-friendly purchases for the purposes not listed in this section, please fill in the consumer loan application and select “Environmentally friendly expenses”. The annual interest rates for such purchases start from 7.9 %.
If you are planning purchases over EUR 20 000, you can choose a consumer loan or a home loan
Consumer loan
- Repayment term up to 7 years
- Annual fixed interest rate from 4.9%
- No collateral or down payment required
Home loan
- Loan repayment term of up to 30 years
- Interest rate is usually lower than for consumer loan
- You will need to pledge collateral and a down payment may be required
Calculate the deal – how much could we lend you?
Typical example for calculating annual percentage rate of charge (APRC)
If you are a granted a consumer loan of EUR 5,000 for a period of 5 years, the total amount to be paid to the bank would amount to EUR 6,471.60. Your monthly payment would be EUR 106.61. The total cost of borrowing, calculated on an annual basis (APRC) would be 11,22 %. The APRC shows the total cost of the loan and includes the following expenses:
- 10% fixed interest rate per year ;
- EUR 15 contract fee;
- minimal fee for the main bank services EUR 1 per month.
We have calculated APRC and the total amount based on the following assumptions:
- the loan is paid out on the agreement signing date
- interest rate and fees stay the same during the entire loan period
- you meet all the terms of the loan agreement on time
The APRC is shown to help you easily compare different loan offers.
Simple process
- Fill in the application and select ‘Improving home energy efficiency’ as the purpose of the loan.
- If we have an offer or any additional questions, we will contact you.
- After a positive decision, sign the agreement in the internet bank.
We reserve a right to request to provide the documents proving you use the loan by its purpose. Please note that if you use a loan not by its purpose, we may increase of the annual interest rate up to 14 %.
What SEB offers?
- Choose SEB Loan Protection to keep you safe from the unexpected
- We transfer loan to your account immediately after signing the agreement
- No fee for early repayment
- Fixed interest rate for the entire term of the agreement
- No monthly administration fee
- We don‘t require any collateral or down payment
- Remote application and signing of the agreement
More about consumer loan
| Services | Prices |
|---|---|
| Annual interest rate | from 4.9 % |
| Contract fee | 1,5 % of a relevant loan amount, min EUR 50 |
| Amendment to terms and conditions of a loan agreement | EUR 30 |
| Amendment to terms and conditions of a loan agreement, if performed on the Internet bank | EUR 0 |
| Deferment of loan instalments | EUR 0 |
| Loan prepayment fee | free of charge |
Typical example for calculating annual percentage rate of charge (APRC)
If you are a granted a consumer loan of EUR 5,000 for a period of 5 years, the total amount to be paid to the bank would amount to EUR 6,471.60. Your monthly payment would be EUR 106.61. The total cost of borrowing, calculated on an annual basis (APRC) would be 11,22 %. The APRC shows the total cost of the loan and includes the following expenses:
- 10% fixed interest rate per year ;
- EUR 15 contract fee;
- minimal fee for the main bank services EUR 1 per month.
We have calculated APRC and the total amount based on the following assumptions:
- the loan is paid out on the agreement signing date
- interest rate and fees stay the same during the entire loan period
- you meet all the terms of the loan agreement on time
The APRC is shown to help you easily compare different loan offers.
| Basic lending conditions | ||
|---|---|---|
| Requirements for the borrower | Loans are available to adult nationals of the Republic of Lithuania and individuals with a permit of permanent residence in Lithuania who are receiving permanent income, in particular:
| |
| Amount and maturity | The amount of the loan depends on the family's financial ability to repay the loan and may be as follows:
Loan maturity may range from 12 months to 7 years. | |
| Collateral | To obtain a consumer loan, no property pledge is required. | |
| Grace period | If you are facing an emergency, you can file us a request to postpone payment o instalments without changing the final loan maturity date. During the grace period only interest is payable. | |
| Emergency: | Grace period: | |
| you lose job | up to 3 months | |
| your income drops | up to 3 months | |
| family loses breadwinner (spouse) | up to 3 months | |
| you become ill or have an accident which has kept you off work for more than 2 months | up to 3 months | |
| divorce | up to 3 months | |
| in case of compulsory initial military service | within the entire period of compulsory military service | |
Typical example for calculating annual percentage rate of charge (APRC)
If you are a granted a consumer loan of EUR 5,000 for a period of 5 years, the total amount to be paid to the bank would amount to EUR 6,471.60. Your monthly payment would be EUR 106.61. The total cost of borrowing, calculated on an annual basis (APRC) would be 11,22 %. The APRC shows the total cost of the loan and includes the following expenses:
- 10% fixed interest rate per year ;
- EUR 15 contract fee;
- minimal fee for the main bank services EUR 1 per month.
We have calculated APRC and the total amount based on the following assumptions:
- the loan is paid out on the agreement signing date
- interest rate and fees stay the same during the entire loan period
- you meet all the terms of the loan agreement on time
The APRC is shown to help you easily compare different loan offers.
For more information about a loan, lending terms and fees please contact us at
The total amount of monthly instalments paid to various credit institutions should not exceed 40 per cent of your total monthly net income.
Borrowing is always associated with the risk of being unable to fulfil your assumed obligations properly and in due time. Based on our long-term lending practices, we analyse the situation of every applicant with care and responsibly assess their capacity to repay the loan.
Before you decide to apply for a loan, consider the borrowing-related risks. Use the consumer loan calculator to calculate a loan installment that you could pay the bank every month without difficulty. Also, read the list of documentation required to get a loan.
The bank has the right to refuse awarding you a loan after it has analysed the available information about you.
We recommend that before you sign any financial service agreement you read the service terms carefully and consult the staff of the bank if you need to.
Loan Protection Insurance
- Increase your sense of security when taking a loan
- Protect yourself in case of unexpected events
