Consumer loan for home renovation and energy efficiency

Real estate purchase or repair loan special offer

Real estate purchase or repair loan special offer

  • Interest rate from 7.9 % to 11 %
  • 100 % off for agreement fee

 

Special offer valid for applications summitted until 2022 05 31

New! Consumer Loan for improving home energy efficiency or installation of solar panels

To make your housing more environmentally friendly, improve its energy efficiency by installing air ventilation systems, heat pumps and solar panels. Investing in these solutions contributes to a more sustainable future.

  • Loan amount from EUR 4,000 to EUR 30,000
  • Loan term from 12 up to 120 months
  • Fixed interest rate: 4.9 % per year*
  • Loan agreement fee: 1 % from loan amount (min EUR 60)
  • Loan can be repaid before maturity without additional fees
  • No down payment required
  • After applying for a consumer loan, a 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 on connection to the ESO in case of Solar Panels.
  • Get back up to 30 % from investments with APVA subsidy.
Representative example: if loan amount is EUR 10,000, fixed annual interest rate 4.9 %, loan term 60 months, agreement fee EUR 100 (1 % of loan amount but not less than EUR 60), monthly account commission fee EUR 1.30, then monthly payment is EUR 188.25, total repayment amount – EUR 11,473.00, annual percentage rate of charge (APR) – 5.74 %.

*Offer is valid for the applications submitted until 2022 12 30

Real Estate Purchase Or Repair Loan

If you need funds to purchase a summer house, a land plot for garden, a parking lot, a garage etc. or for home repair, choose a Luminor consumer loan for real estate purchase or repair.

  • Fixed annual interest rate from 7.9 % to 11 %
  • Loan amount from EUR 2,000 to EUR 30,000
  • Agreement fee – EUR 0
  • You can conclude an agreement remotely
  • No down payment or pledge of property is required
Representative example: if loan amount is EUR 5,000, fixed annual interest rate 8.9 %, loan term 48 months, agreement fee EUR 0, monthly account commission fee EUR 1.30, then monthly payment is EUR 124.19, total repayment amount – EUR 6,023.52, annual percentage rate of charge (APR) – 9.87 %.

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 350
  • You have a combined monthly income of at least EUR 700 if you apply with 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