Change language:
view of the forest from the throne

Responsible home purchase through Green Home Loan

Interest rate


 1.65% + EURIBOR

Contract fee

0 euro

Up to

30 years




down payment

Responsible home purchase through green home loan

Our homes have a big impact on the environment. Our greenhouse gas emissions are significantly influenced by the amount of heat and electricity we use at home. As a result, we would like to encourage the construction and purchase of energy-efficient homes.

  • Lower monthly bills 
  • Environmentally friendly 
  • Healthier home environment 
  • Long-term property value advantage 


What types of loans qualify as green home loan? 

Building constructed until 2021 

  • A++ energy class  

Building constructed from 2021 

  • A++ energy class 
  • Buildings PED ratio is 10% lower than the threshold set for nearly-zero energy buildings 

Need to have a consultation about home loan? 

Sign up for video consultation 


A well-considered purchase may be a step towards a more environmentally friendly lifestyle

There is no doubt that excessive consumerism has become a major problem relating to climate change and created many negative consequences for the environment. Everything we purchase has an environmental impact, and we strongly encourage conscious consumption: only consider buying a product or service you need and evaluate whether the use of that product or service can contribute towards mitigating climate change.




Choices matter. Make the right one for the environment. 


To support sustainable decisions we offer special interest rate for battery powered electric vehicles.

Read more

Typical example for calculating annual percentage rate

If a loan of EUR 90,000 secured by real estate collateral is granted for the period of 25 years and 300 loan instalments based on the annuity method will be made, the total amount to be paid by such borrower will make EUR 175,971.06, monthly instalment – EUR 579.35. The annual percentage rate will make 6.33 per cent. Annual percentage rate showing the total cost of a loan is calculated by including the below instalments made within the entire loan period:

  • 5.9 per cent yearly variable interest
  • EUR 450 agreement fee
  • EUR 8.6 mortgage (pledge) registration fee
  • EUR 1 per month minimum fee for main banking services
  • EUR 61 dwelling insurance annual premium

Note. Property valuation costs and the commission for the services provided by a credit intermediary are not included.

Annual percentage rate and the total amount to be paid by the borrower are calculated considering that the loan is disbursed on the agreement signature date and that the terms of the agreement, interest rate and fees do not change within the entire loan period, and the terms and conditions of the agreement are timely implemented. If you fail to fulfil or unduly fulfil the terms of the loan agreement, the risk exists that you may be deprived of the ownership right to the pledged real estate. The mortgaged real estate must be insured in favour of the bank during the entire loan period.

For more information about a loan, lending terms and fees please contact us at +370 5 268 2800.