Green Loan

Energy-saving measures for your home.

Measures supported by Enova
Borrow up to NOK 300,000

What is an environmental loan?

An environmental loan is an additional loan from NOK 50,000 up to NOK 300,000 for energy-efficient measures supported by ENOVA.

In short, energy efficiency refers to solutions that consume less energy.

Examples of energy-efficient measures include the installation of water-to-water heat pumps, solar panels and hydronic heating. When you choose environmentally friendly solutions for your home, it is good for both the environment and your wallet.

Environmental loans have better terms to motivate more people to take part in the green shift.

Interest rates and terms

The loan is separated out 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 you have your loan with us or not. Please select the relevant application for you.

I have a mortgage with DNB I do not have a mortgage with DNB

How to apply for an environmental loan

Step by step

You apply for support for the measures through Enova, but here you can see how to obtain an environmental loan with us.

Click on the form that applies to you: "I have a mortgage with DNB" or "I do not have a mortgage with DNB".
Fill in the form.
For new customers, you will be given a choice whether you want to transfer your main loan from another bank to us and take out an Environmental Loan. If you answer Yes to this, you will receive 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 an SMS where you confirm information about income and debt with your BankID.
As documentation, you must provide a valid quote from an approved professional for the measure that must be carried out. When the installation is complete, you send the invoice to your adviser so that we pay the loan directly to the supplier.

Tips

If you only want an environmental loan and do not wish to transfer your main loan from another bank, you will receive the standard environmental loan rate without a discount. The application is completely non-binding.

Price Example Environmental Loan

Nominal floating interest rate from 5.49%. annual percentage rate of charge (APRC) from 6.09%. Annuity loan NOK 300 000 o/10 years with monthly payment NOK 3 319. The total amount payable would be NOK 398 280 made up of the loan amount plus interest of NOK 98 280..

These measures qualify for an Environmental Loan

The Enova grant provides support for a range of good energy and climate measures, including:

Energy advice
Smart electricity management for homes
Solar panel systems
Water-to-water heat pump
Hydronic heating
Balanced ventilation

You can obtain a loan for all measures that Enova supports.Read more on Enova's pages

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, these are approved measures without support from Enova that you will be able to borrow for under the same terms.

Air-to-water heat pump
Exhaust air heat pump
Additional insulation (TEK17)
Low-energy windows (TEK17)
Heating control system

As documentation, you must provide a valid quote from an approved professional for the measure that must be carried out. When the installation is complete, you send the invoice to your adviser, so that we pay the loan directly to the supplier.

Questions and answers

Can I get a loan without transferring my main home loan to DNB?

What can I apply for a green loan for?

How much can I borrow?

Can I combine this with a loan for other renovations?

What is the repayment period for the loan?

What is TEK17?

TEK17 (building technical regulations) is a regulation that defines technical requirements for buildings and sets minimum standards that a building must meet in order to be legally constructed in Norway. In principle, TEK17 applies to all new buildings and building upgrades in Norway.

For low-energy windows and additional insulation, the U-value is used.

The U-value for building components indicates how effective the thermal insulation is. The lower the U-value, the better.

U-value requirements for low-energy windows:

Building Regulations 2017: 0.8

U-value requirements for additional insulation:

Building Regulations 2017

U-value roof: 0.18
U-value floor: 0.18
U-value external wall: 0.22