Navigate to main page content

Loan for apartment house renovation

Записаться на консультацию о реновации многоквартирных домов

Name, surname
Organization's name
Number of apartments
Phone number
E-mail address

Loan for apartment house renovation and improving of energy efficiency

To be able to save up on heating bills we suggest you take energy-efficiency measures.

  • Reduced expenses on heating
  • A better-looking building
  • Higher value of the property
  • Reduced risk of expenses for unexpected repairs
  • Owners get a property in good technical condition which is easier to maintain and manage
Receive a consultation

Preserve more heat

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.

Don’t pay double

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.

No collateral

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.

Information about the new apartment building energy efficiency program is available on Once the program is launched, information about the bank's terms of lending will be added.

Key terms & conditions

  • Loan amount up to 100% of the project cost;
  • Loan currency - EUR;
  • Fixed or variable interest rate;
  • Repayment period - according with support program's new conditions;
  • At least 75% of household owners support the decision to take a loan and increase the monthly bills for public facilities;
  • It is necessary to make a deposit in the bank for an amount of the loan repayment for a period of 1-3 months, under a condition that this deposit stays in the bank in the required amount for the whole repayment period;
  • Loan repayment is done by increasing the monthly payments for public services for each 1 m2 according to apartment space, loan amount and period;
  • Principal amount repayment can be started after the repair works are finished;
  • Loan security - future cash flow - monthly payments for public services made on time by household residents.

Following criteria are being evaluated:

  • Financial situation of loan receivers and payment discipline of apartment owners. At least 95% of all bills for public services have to had been paid in time during the previous 12 months;
  • Loan payments and loan risk by 1 m2. Maximal loan – 100 EUR/m2;
  • Technical condition of the building, description and estimate of the planned works.


  • Future cash flow
  • Timely house management payments by apartment owners
  • No need to mortgage the apartments and no need for personal guarantees of apartment owners

Documents required:

  • Property documents
  • Borrower’s legal documents
  • Complete information about the building to be renovated
  • Finance documents
  • Description and cost estimate of the works to be carried out
  • Dwellers’ decision to take out the loan
Swedbank logo

Jūsu Internet Explorer pārlūkprogramma netiek atbalstīta.

Lūdzu izmantot Google Chrome, Mozilla Firefox vai Microsoft Edge pārlūkprogrammu.

Ar 23.03.2021. Swedbank internetbanka vairs nav pieejama, izmantojot Internet Explorer tīmekļa pārlūkprogrammu.

Tāpat nav iespējams apstiprināt Swedbank maksājumus citās vietnēs, kā arī izmantot Swedbank autentifikāciju, piemēram,

Turpmāk iesakām izmantot Google Chrome, Mozilla Firefox vai jaunāko Microsoft Edge versiju. Uzziniet, kā uz sava datora uzstādīt kādu no minētajām pārlūkprogrammām, šeit.

С 23.03.2021 Интернет-банк Swedbank недоступен в браузере Internet Explorer.

С помощью Internet Explorer невозможно авторизоваться или осуществлять платежи через Swedbank на сторонних веб-страницах.

Вместо браузера Internet Explorer мы рекомендуем использовать браузеры Google Chrome, Mozilla Firefox или Microsoft Edge. Инструкции по установке упомянутых браузеров можно найти здесь.

From 23.03.2021 Swedbank Internet Bank and Banklink is no longer available using Internet Explorer browser.

It is not possible to authorize or make payments from Swedbank on other web pages using Internet Explorer.

Instead, we suggest using Google Chrome, Mozilla Firefox or the newest version of Microsoft Edge. To find out how to install the suggested browsers, please click here.

Klientu serviss - Инфо и помощь - Customer service: +371 67 444 444

  • Jūsu ierīces operētājsistēma un pārlūkprogramma ir novecojusi un netiek atbalstīta Swedbank internetbankas lietošanai. Aicinām vērsties pie Jums uzticama IT atbalsta, lai saņemtu konsultāciju un veiktu atbilstošu operētājsistēmas un pārlūkprogrammas atjauninājumu.
  • The operating system of your device & your browser are too outdated to be supported by Swedbank Internet Bank. Please, update the operating system & browser or turn to IT specialist for technical help.
  • Ваш браузер или операционная система недостаточно современны для использования в интернет банке Swedbank. Пожалуйста обновите операционную систему и браузер или обратитесь за технической помощью к ИТ специалисту.

Thank you for the visit!

For security reasons, please close the browser window!


Entrepreneurship World Cup - for the first time in Latvia!

This is an opportunity to grow and develop your business also beyond the borders of Latvia.

Find out more:

Open for applications until 24 May: