Environmental loans

Energy-saving measures for your home.

Measures supported by Enova
Interest free out 2024
Loans up to NOK 300 000

This is an Environmental loan

An environmental loan is an additional loan of up to NOK 300 000 for energy efficient measures supported by ENOVA.

In short, implementing energy efficiency involves solutions that consume less energy.

An example of energy efficiency measures include the installation of heat pumps, solar cells and water based heating. When you choose eco-friendly solutions for your home, it’s good for the environment and your wallet.

Environmental loans have better conditions to encourage more people to participate in the green shift.

Interest and conditions

From 0.00%
To get the interest rate discount and 0.00% interest rate out in 2024, you need to have your home mortgage in DNB
The loan is separated as a separate loan alongside your main loan.

It is simple and completely non-binding to apply for an Environmental loan with us.

When you apply, we need to know whether or not your loan is with us. Therefore, please select the relevant application for you.

I have a home mortgage with DNB I don’t have a home mortgage with DNB

How to apply for an Environmental loan

Step by step

You can apply for support for your initiatives through Enova, but here’s how you can get an Environmental loan from us.

Click on the form that applies to you, “I have a home mortgage with DNB” or “I don’t have a home mortgage with DNB”.
Fill out the form.
For new customers, you’ll have a choice whether to move your main loan at another bank to us and take the Environmental loan. If you answer Yes to that, you will get the discounted interest rate on the environmental loan.
After the form is received, an adviser will contact you.
After the adviser has been in contact with you, you will receive a text message in which you will confirm information about income and debt with your BankID.
As documentation, you must submit a valid offer from an approved professional for the measure to be implemented. When the installation is finished, you send the invoice to the adviser, so that we pay the loan directly to the provider.

Tips

If you only want an Environmental loan and prefer not to move your main loan from another bank, you will get an ordinary Environmental loan interest rate without a discount. The application is completely non-binding.

Price example, Environmental loan

Nominal floating interest rate from 4.99%, annual percentage rate of charge (APRC) from 5.56%. Annuity loan NOK 300 000 o/10 years with monthly payment NOK 3 245. The total amount payable would be NOK 389 400 made up of the loan amount plus interest of NOK 89 400. Presupposes a mortgage on the home..

These measures qualify for the Environmental Loan scheme

The Enova grant provides support for a number of good energy and climate measures. Among other things:

Energy consulting
Smart power management for homes
Solar installation
Liquid-to-water heat pump
Waterborne heat
Balanced ventilation

You will be able to borrow for all the initiatives that Enova supports. Read more on Enova’s website

Because we want to help make it easier for you to make energy-efficient choices and contribute to the green shift, this is an approved measure without support from Enova for which you will be able to borrow on the same terms.

You can also get an Environmental loan for several measures

Because we want to help make it easier for you to make energy-efficient choices and contribute to the green shift, this is an approved measure without support from Enova for which you will be able to borrow on the same terms.

Air-to-water heat pump
Extraction heat pump
Post-insulation (TEK17)
Low-energy windows (TEK17)
Heat management system

As documentation, you must submit a valid offer from an approved professional for the measure to be implemented. When the installation is finished, you send the invoice to the adviser, so that we pay the loan directly to the provider.

Questions and answers

What happens when the interest rate discount expires?

What can I apply for an environmental loan for?

Can I combine this with loans for other renovations?

What is TEK17?

TEK17 (Construction Technical Regulations) are a regulation that defines technical requirements for construction works and sets lower limits for the requirements a construction works must meet in order to be built legally in Norway. In principle, TEK17 applies to all new construction and upgrading of buildings in Norway.

For low-energy windows and after-insulation, one operates with a U value.

The U value for building parts provides an answer to how good the heat insulation is here. The lower the U value – it’s better.

Requirements for low-energy window u-value:

Construction regulations 2017: 0.8

Requirements for sub-value after insulation:

Construction regulations 2017

U-value roof: 0.18
U-value floor: 0.18
U-value outer walls: 0.22