SEB will begin to issue home loans to clients who are borrowing to buy, build or renovate their existing homes to make them more energy efficient and who wish to use a guarantee from KredEx for that purpose.
“Any investment aimed at energy efficiency is definitely a wise decision, since it enables people to improve their living conditions and save on energy costs. More energy efficient buildings also have a longer useful life and, furthermore, carry a higher value on the real estate market. Accordingly, for families planning to renovate or also buy or renovate their homes, home loans guaranteed by KredEx are an opportunity on easy, attractive terms,” said Tõnu Sepp, Director of the Retail Banking Division.
A guarantee from KredEx presupposes that the apartment or residence being purchased meets the energy label class of C, at a minimum, when a home loan is being applied for. For the renovation or construction of a home, the requirement is that on completion it should also meet the energy label class of C, at a minimum. The energy label class has to be demonstrated with a current energy label or, in case of the construction or renovation of a new residence, energy efficiency calculations in the building design documentation issued by a qualified expert.
According to Triin Reinsalu, Head of the Housing and Energy Efficiency Division at KredEx, the purpose for issuing loan guarantees for energy-efficient housing is to raise people’s awareness about energy efficiency and steer people towards choosing and building more energy-efficient housing. “Loan guarantees help with the purchase of a home, during the construction of which more thought has been given to the efficiency of the building as a whole and help to make existing residential buildings more energy efficient. This is the first financial service in Estonia that aims to promote the acquisition and creation of energy-efficient real estate,” Reinsalu said.
Using a guarantee from KredEx, a home loan may be applied for with a 10% down payment. The amount of a guarantee aimed at improving energy efficiency may be up to 24% of the value of the loan collateral but not more than EUR 50,000.
A home loan guaranteed by KredEx may be applied for at all SEB branches or in the Internet Bank.
Tõnu Toompark on kinnisvaraanalüütik, -konsultant ja koolitaja, kelle tegevusvaldkonnad on valdavalt: * elamispindade turg, turutrendid, tehingud, hinnad ning turuülevaated; * uute korterite arendamise mahud, müük, hinnad ja analüüsid; * üürituru pakkumine, tehingud ja hinnad ning üüriinvesteeringud, tasuvusarvutused; * elamispindade kättesaadavus numbrilisena; * koolitused eeltoodud valdkondades. Koolituste valdkonnaga on Tõnu Toompark seotud üle 25 aasta. Ta on avaldanud sadu ja sadu kinnisvarateemalisi analüüse, artikleid ja kommentaare. Tõnu Toompark on läbi viinud koolitusi nii kesk-, kutse-, kõrg-, kui ülikoolides, lisaks mitmetes koolitusettevõtetes. Näiteks Kinnisvarakool, Tallinna Tehnikaülikool, Eesti Ettevõtluskõrgkool Mainor, Estonian Business School, Tartu Ülikool, Tallinna Majanduskool.
