Green Loan

GREEN LOAN FOR INDIVIDUALS

Why should you invest in Energy Efficiency?
-    Expected increase in electricity prices.
-    High energy consumption in the household and the burden on the family budget.
-    New technologies provide better living conditions.
-    Obligation to protect the environment.
The main benefits of investing in energy efficiency
-    Reduce and maintain control of monthly electricity costs
-    Better conditions of living (more convenience)
-    Increased property value and standard
-    Protecting the environment

What is Green Loan?

When it is about home, everyone thinks how to make it more comfortable by spending less. And taking a loan to implement the required comfort seems increasingly expensive.
Green Loan is the opportunity to have Comfort with a Low Cost
Green Loan through BKT comes with a preferential interest rate and is the right choice for all individuals who want to invest in their homes in products or systems that realize energy savings. The result is lower energy bills, lower loan installments and desired comfort.

What can be financed by Green Loan?

Building Insulation
-    Replacing old windows and doors with new efficient
-    Installation of new thermal insulation of building
Heating
-    Replacement of old boilers with a new efficient
-    Heating the flat by a new system more efficient
-    Installation of new heating system with solar water
Lighting
-    Replacement of old lighting with new efficient lighting
House appliances with EU label
-Purchase of House appliances with EU label

Green Loan conditions are:

 

Green Loan for Individuals up to ALL 2,000,000  
Currency ALL
Max. Maturity Up to 7 Years
Interest Rate Starts from 3.3%
Disbursement Commission Begin from 2% (not less than 1,500 ALL)
Application Fee Not applicable

 

Collateral

Loan will be secured through surety ship. Number of sureties depends on loan amount and customer relation with the bank.

Who may apply for Green Loan?

For Green Loan can apply every individual that his monthly incomes are fixed and stable, source of which should be from:
-    Salary
-    Rent
-    Licensed activity as Self-Employed Professionals

Green Loan for Individuals up to ALL 6,000,000
(or EUR 50,000)
 
Currency ALL, EUR
Max. Maturity Up to 15 Years
Interest Rate ALL: from 3.5%
EUR: Starts from Euribor 1Y + 4% (not less than 4%)
Disbursement Commission 1%
Application Fee N/A

Real estate property only, considered as marketable

Who may apply for Green Loan?

For Green Loan can apply every individual that his monthly incomes are fixed and stable, source of which should be from:
-    Salary
-    Rent
-    Licensed activity (Physical person or owner)

Simple tips for energy savings for families:
No cost:
By reducing your heating by just 1 °C can reduce heating costs by 10%
You can save about 500-600 ALL every month, ensuring that your equipment and not left switched on.
Do not forget to open the curtains and blinds during the day to have a natural light and heat from the sun in winter.
A short shower can spend less than a third of the water used to wash in the tub, so you will save around ALL 500-700 energy per month.
Low cost:
Thermal insulation of apartment helps in reducing the energy you need to heat your home and can save up to 50-80% per year in heating-cooling bills
Replacement of old inefficient boiler with a new more efficient model can reduce your heating bill up to 25%.
Installation of solar panels will provide hot water for free and will pay itself for several years.
Replace all inefficient lamps in your home with compact fluorescent bulbs and save up to 10-15% of your monthly power bill.
Improve equipment such as refrigerator, washing machine or dryer, dishwasher with an energy label (such as that of the EU and ENERGY STAR).

For further information on the product terms and conditions click at the pre-contractual standardized information letter below
Please download the respective documents requested for Green Loan
Please download the pre-contractual standardized information letter