To be able to save up on heating bills we suggest you take energy-efficiency measures.
Even though you have to pay substantial sums for heating during winter, it often occurs that your appartment is still cold. It happens in case your apartment house consumes a lot of energy, but does not use it efficiently - so that large amounts of heat dissipate outside. Thus by paying for heating you are actually paying for heating the air outside as well.
Residents of each house can make save up funds for house repairs, however, it usually takes a long time. If savings are not sufficient, then it is possible to use Swedbank loan for apartment house renovation and energy efficiency improvement.
A loan is issued to house management and not apartment owners so you won't have to mortgage your real estate or be a guarantor for a loan. Your monthly payments for public facilities will serve as a security.
Loan can be received by any house manager - be it a householder society or an enterprise specialized in house management - if 75% of apartment owners agree with receiving the loan.
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