Creating your sustainable future home with Luminor is easy

Creating your sustainable future home with Luminor is easy

Creating your sustainable future home with Luminor is easy

  • Consumer loan for improving home energy efficiency when solar, wind power, or heat pumps are installed
  • Real estate purchase or repair loan
  • Renovate your heating system and get back part of your investment with an APVA subsidy
Consumer Loan for improving home energy efficiency or installation of solar panels

Improve your home energy efficiency by installing air ventilation systems, heat pumps, and solar panels. Investing in these solutions not only contributes to a more sustainable future but also saves money. 

  • Interest rate – 4.9 % per year
  • Loan amounts from EUR 4,000 to EUR 30,000
  • Loan agreement fee – 1 % of the loan amount, not less than EUR 60
  • Loan term from 12 up to 120 months
  • Loan can be repaid before maturity without additional fees
  • No down payment required
  • After applying for a consumer loan, cost estimation of a project or agreement with a vendor completing a home energy efficiency project should be provided. After signing the agreement with the bank, you commit to purchasing of home energy efficiency solution/solar panels. Bank can request to deliver a copy of the agreement in connection to the ESO in the case of Solar Panels
  • Get back a part of your investments with APVA subsidy
Representative example: if the loan amount is EUR 9,000, the fixed annual interest rate is 4.9 %, the loan term is 72 months, the agreement fee is EUR 90, the monthly account commission fee is EUR 1.30, then the monthly payment is EUR 144.53, total repayment amount – EUR 10,589.76, the annual percentage rate of charge (APR) – 5.71 %.

Real Estate Purchase Or Repair Loan

Take the opportunity and reduce your monthly expenses. Renovate your home by choosing energy-saving solutions - insulate the walls of the house, replace the windows and doors or perform other works that increase energy efficiency.

Choose a Luminor consumer loan if you need funds to purchase a summer house, a land plot for the garden, a parking lot, a garage, or for home repair.

  • Interest rate from 7.9 %*
  • Loan agreement fee – 1 % of the loan amount, not less than EUR 60
  • Loan amounts from EUR 2,000 to EUR 30,000
  • You can conclude an agreement remotely
  • No down payment or pledge of property is required
Representative example: if the loan amount is EUR 7,000, the fixed annual interest rate is 10 %, the loan term is 72 months, the agreement fee is EUR 105, the monthly account commission fee is EUR 1.30, then the monthly payment is EUR 129.68, total repayment amount – EUR 9,535.56, the annual percentage rate of charge (APR) – 11.49 %.

The path to get your loan

Fill in the application online

Receive loan offer via call and get guidance through next steps

Sign the loan agreement remotely

Receive funds to your account and make your desired purchase

In case you purchased a real estate, register your property within 90 days after entering into the agreement

If you have signed consumer loan for energy efficiency, you undertake to use the funds for the intended purpose of the loan

Requirements to apply

  • You are over 18 years of age
  • You have a regular monthly income of at least EUR 450
  • You have a combined monthly income of at least EUR 880 if you apply with a co‑borrower and you don’t have any dependents

Documents

  • Consumer loan application
  • Your (and your co‑borrower) ID or passport
  • We’ll inform you if we need any additional documents

Check out the special offers from Luminor partners

Purchase what you need for a convenient life

See our other products

Consumer loan

Learn more

Car loan

Learn more

Car leasing

Learn more