A loan for an ecological house. See how to lower installments

For some time, banks have been offering special conditions for people who decide to buy or build energy -saving real estate. Preferential interest rate is a real benefit for customers focusing on ecology.

Cheaper loan for an energy -saving house – banks reward for ecology

From the bank’s point of view, a good way to encourage energy -saving apartments and houses is to add the level of margin level and interest rates on the energy consumption indicator. Just such a solution was chosen by some native banks. In this context, RynekPierwotny.pl experts pay attention to the issue that they have already mentioned – namely, for the bank a more energy -efficient house or place is a better security of the customer’s debt.

– In the long run, there is a high probability that more economical housing real estate will gain more value and better to endure periods of recession than other houses and apartments. We see such a phenomenon, among others Behind the western border – says Andrzej Prajsnar, expert on the RynekPierwotny.pl portal.

It indicates that if EU legislation does not change much, a similar situation will also be visible in Poland. Bank incentives for buyers of economical housing real estate will also increase. It is worth checking the current level of such credit discounts.

Cheaper loan for an energy -saving house – bank offers

According to experts from the RynekPierwotny.pl portal, at the beginning of June this year. A housing loan with conditions dependent on the level of energy consumption could be found, among others, in offers:

• BOŚ – a loan with a zero commission and a minimum margin for a variable interest rate of 1.79 percent. instead of 2.45 percent,

• Credit Agricole – a loan with a lower cost (APRC for a variable interest = 8.18 percent, for periodically permanent interest for 7 years = 7.47 percent),

• ING Bank Śląski – a loan with a zero commission and a lower interest rate (e.g. 6.88 percent instead of 7.84 percent in the case of a loan for an energy -saving house – variable rate),

• mBank – a loan with a zero commission and a margin smaller by 0.20 percentage point,

• Pekao – a loan with a lower cost (APRC for a variable interest = 8.41 percent, for a period of 5 years for 5 years = 8.06 percent).

– As you can see, installment discounts for individual banks are varied. However, even an example, small interest rate of 0.20 percentage point is relevant in a 30 -year scale. If we set up a loan amount of 400,000 PLN and the average interest rate after a reduction of 4.50 percent, the sum of installment savings for 30 years will be PLN 17,122 (without taking into account inflation) – says Andrzej Prajsnar.

As he notes, in the case of the loan amount of 800 thousand. PLN, financing more expenses (e.g. purchase or construction of a house), an analogous level of savings is PLN 34,423 – also assuming repayment in equal installments. Credit benefits are not the main item in calculating the profitability of building or purchasing an energy -saving apartment, but it is still worth considering.

Soon the loan interest rate depends on the building class?

As the expert notes, the analysis of bank offers indicates that the condition for using preferential credit proposals is a sufficiently low level of energy consumption of a house or premises. It is a indicator of the annual demand for non -renewable primary energy (EP) usually up to 60 to 70 kWh/(sq m x year).

– Depending on the type of housing, confirmation of the EP indicator level may be a testimony of energy characteristics (ready houses or premises), the designed energy characteristics of the emerging premises or the developer’s statement in the scope of the designed energy characteristics – explains Andrzej Prajsnar.

In his opinion, due to the lack of buildings energy class system in Poland, there is no question of making the terms of loaning of houses and premises on the class of energy certificate. Ultimately, however, it is the higher energy classes that will be a pass to obtain better loan conditions. This solution is already used by some banks operating in other EU countries (including Belgium and the Netherlands).

– An interesting example is the British banking sector. In March this year, the results of the analysis carried out by a large credit broker from Great Britain (Mortgage Advice Bureau) appeared. They indicate that more than half of the local banks offer more favorable credit conditions for people buying housing with a high energy class (A or B) – notes the expert.