Navigate to main page content
Become a customer

Home Energy Efficiency Loan


0% rate* + Euribor

Improve the energy efficiency of your house

Get more beneficial terms if you wish to thermally insulate your home, install a ventilation system, replace windows and doors, change the heating facilities or carry out other repairs.

  • Special offer! For the first 2 years – 0% rate + 6-mon. Euribor*
  • Loan amount from 20 000 EUR
  • Improve the energy efficiency of your home and apply in the state support programme
Learn more about benefits of home insulation

* For new loan applications submitted by 31 December 2023. Find out more about the offer in the “Conditions and fees” section.

Representative example: When a loan of 35 000 EUR is taken out for a period of 20 years, the applied interest rate is 1.79% + 6 months EURIBOR (4.07% on 18.09.2023.), the monthly payment is 248 EUR, the loan disbursement fee is 420 EUR. Annual percentage rate (APR) – 6.19%. Total amount repayable by the consumer – 59 692 EUR. Changes in the EURIBOR value will affect the amount of monthly payments, APR and the total amount repayable.

New! If you need a smaller amount, choose the Solar Panel Loan which is currently also available for purchasing a heat pump and wind generators.

Learn more

What are your needs?

Regular net monthly income at least 750 EUR per month after taxes, at least 1050 EUR per month with a co-applicant. Your current loan liabilities exceed the optimal monthly repayment amount. Loan is not available to you. Minimum loan amount is 20 000 euros. We recommend using the Small loan for smaller amounts. Minimum loan amount is 20 000 euros. We recommend using the Home small loan for smaller amounts. Average net income in the last 6 months. Specify the number of children of up to 18 years of age and/or number of dependants in your household.
Small loan, credit card, overdraft, line of credit, study loan and other short-term credits

Please, specify the total amount of all your existing monthly loan payments.

In monthly payments, also include details about any loans where you’re the surety and any loan obligations that you’ve assumed together with another borrower.

  • 0

The data provided by the calculator is for information only, however it gives you a picture of what could be the amount of your loan. Fill out the loan application and find out the terms of loan offered specifically to you.

Calculations are made without the special offer – 0% rate + 6-mon. Euribor for the first 2 years.

The total monthly payment can’t exceed %PERCENTAGE%% of your monthly income. Select a smaller loan amount or increase the loan term. Minimum loan amount is 20 000 euros. We recommend using the Small loan for smaller amounts. Minimum loan amount is 20 000 euros. We recommend using the Home small loan for smaller amounts.
  • Down payment starting from 15%.
  • In case of Altum the down payment can be reduced down to 5%.
  • Down payment may not be needed if you collateralize your own property.


  • 0

Insure your

  • From 0
  • From 0
  • From 0

Basis for the calculation

Loan and Insurance payment calculations are approximate and may differ from your personal offers. Home insurance and insurance against borrower's unemployment and incapacity for work insurance is provided by Swedbank P&C insurance AS. Life insurance is provided by Swedbank Life Insurance SE which are represented in Latvia by their branches and by the insurance agent Swedbank AS.

Calculations are made without the special offer – 0% rate + 6-mon. Euribor for the first 2 years.

  • For improving of your existing private house (for example, private house, twin house, row house, country house), including works which improve energy efficiency, such as:

    • Insulation of all or separate structural elements of the house (walls, floor, ceilings, roof, foundation, etc.).
    • Installation of centralized or local ventilation system with recuperation.
    • Replacing doors and/ or windows with new/more energy efficient ones.
    • Installation of a heating system management tool.
    • Other tools which will improve energy savings (e.g. solar panels, LED lighting, etc.).
  • No need for a down payment as your property is the collateral.

If you have the Home Energy Efficiency Loan, additionally you can sign up for the Altum support program for improving the energy efficiency of the house.

How to get ALTUM support?

  • Fill out the application and get the bank’s consultation regarding borrowing possibilities for the energy efficiency project of your house.
  • Submit application for Altum support.
  • Sign agreement with Altum.
  • Choose an energy auditor and identify the cost of work to be performed.
  • Sign agreement with the bank and get the loan.
  • The home improvement work can start.
  • After carrying out the project, prepare the necessary information for Altum.
  • The grant from Altum is transferred to your account.

Learn more about the support program here (LV).

  • Fill in the application on the Internet Banking site and get a consultation.
  • Evaluation by an independent valuator of acquired or pledged real estate will be needed after consultation.
  • Receive your loan offer.
  • Sign the loan agreement on the Internet Banking site and set up home insurance or review your insurance covers. New lending transactions may be concluded via Internet Banking between 7 AM and 10 PM. Automated aggregation and registration of data on transactions concluded during the day takes place after 10 PM and, pursuant to the Consumer Rights Protection Law, it is prohibited to enter into consumer lending contracts during night time until 7 AM.
  • After registration of the pledge in the Land Register, the bank issues a loan.
  • After you finalize your planned renovations, don’t forget to share your result with the bank by sending in photos.
  • 0% + 6-mon. Euribor interest rate for the first 2 years if renovation work is carried out in a house to increase energy efficiency (insulation of walls and roof, replacement of doors and windows, improvement of heating or ventilation systems, etc.). In addition, you can carry out other repairs too.
  • The special interest rate is applied from the disbursement of the first portion of the loan and will be valid for the next 2 years.
  • The amounts payable each month may vary during the period of the special interest rate. Take note of the amounts indicated in the schedule!
  • After the end of the special offer period, the interest rate specified in the loan agreement will apply.
  • Please take into consideration that during the period of the special interest rate, some changes to the loan agreement may be limited.
  • The offer is valid when applying for the loan between 24.03.2023 and 31.12.2023.
  • Loan amount from 20,000 EUR.
  • Loan up to 85% of collateral value.
  • Loan term up to 30 years.
  • Income at least 750 EUR per month after taxes, at least 1050 EUR per month with a co-applicant.
  • Interest rate consists of individual interest margin from 1.79% + 6-month Euribor.
  • Additional expenses (notary, real estate valuation, pledge registration fee) and bank fees will apply to your loan.
  • Loan is repayable on the basis of annuity or amortization schedule within the agreed term by pre-determined monthly payments on your chosen payment date.
Mortgage loan interest rates
  • After completing your energy efficiency renovation work, you will need to send photos as proof.
  • If you fail to use the loan according to its purpose, the bank will have the right to increase the interest rate up to an individually agreed margin.

With the self-service feature, you can:

  • change payment date after the monthly payment has been made;
  • change payment account;
  • make early partial repayments.

In other cases (applying for a grace period, prolonging the payment term, change or release of additional collateral), fill in the application.

The property being pledged requires an appraisal carried out by certified real estate valuator for bank-lending purposes and intended for submitting to Swedbank.

Real estate can be appraised by real estate valuators approved by Swedbank. All valuations performed by an accepted real estate appraiser above the set limit or by a appraiser not included in the list as well as all forest valuations that contain the value of the forest stand, will be verified by Swedbank.

Swedbank may review any external appraisal received (also ones by the approved valuators) and accordingly revise the market value stated there if it is not based on well-founded assumptions and does not represent the market situation at the time of valuation.

Real estate valuators approved by Swedbank

Company Address Telephone Real estate type / restrictions
RE eksperts Ernestīnes iela 12, Rīga 67544380, 26683829 Valuation of all real estate types without limitation
Colliers International Advisor Satekles iela 2B - 512, Rīga 67783333 Valuation of all real estate types without limitation
Latio Krišjāņa Valdemāra iela 8, Rīga 67032300 Valuation of all real estate types without limitation
Newsec Valuations LV Vesetas iela 7, Riga 67508400 Valuation of all real estate types without limitation
Arco Real Estate Blaumaņa iela 5a-1, Rīga 67365555 Residential property valuation without limitation
Commercial property valuation with market value of
up to 300,000 EUR without limitation,
in other cases - with the bank’s approval
Eiroeksperts Krišjāņa Valdemāra iela 20-9, Rīga 67365999 Residential property valuation without limitation
Nira Fonds Brīvības iela 73-1, Rīga 67216678, 27011887 Residential property valuation without limitation
Ober Haus Vērtēšanas serviss Gustava Zemgales gatve 76, Rīga 29557121, 67284544 Residential property valuation without limitation
VCG Ekspertu grupa Kr. Barona iela 31, Rīga 29722989, 67229008 Residential property valuation without limitation
Jelgava 29543033, 63082556 Residential property valuation without limitation
Langes pils Dzirnavu iela 31-1, Rīga 67505656, 26542233 Residential property valuation without limitation
Vestabalt Krišjāņa Barona iela 11-47, Rīga 67323608, 26477700 Residential property valuation without limitation
Vindeks Lāčplēša iela 14, Rīga 67285403, 29235485 Residential property valuation with market value of up to 100,000 EUR without limitation,
in other cases - with the bank’s approval

If you want your property to be valuated simply, conveniently and fast, let Swedbank valuators take care of that! Swedbank valuations are prepared in abbreviated form and are not suitable for presenting to other credit institutions and cannot be used for the needs of other individuals or legal entities. The fee for Swedbank valuations is charged according to the bank’s price list.

For the possibilities of obtaining real estate valuation from Swedbank, ask your financial consultant at the bank!


Agreement fee 0 EUR!

For property purchase or renovation of your own property.

Suitable solution for purchasing or building a home.


Agreement fee 0 EUR!

Loan that can help you to fulfill your plans!

Favourable % rate!

For purchase and installation of solar panels, a heat pump or wind generators.

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.

You have been logged out from Internet bank

For extra security close the browser window. If you wish to continue using Internet bank, please log in again.

  • 15% discount for CASCO insurance
  • Only until 15 October

CASCO when? Before you run out of luck!

Only until 15 October, take out CASCO insurance more beneficially – at a 15% discount.

  • 24-hour technical assistance without limit restrictions
  • 0 EUR deductible on damage to glass and collision with an animal – for an unlimited number of cases
  • With the Extra CASCO, additional safety for you, your passengers and the personal belongings