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Take advantage of an unprecedented grant plan

Refurbishing your condominium property has never been so easy. Find out about the open Next Generation Funds call for your home.

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Financing of up to 100% of the refurbishment, without any limits!

If you need it, we additionally offer you a loan* to finance your refurbishment works' entire quote (including VAT).

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Repay it in easy instalments in up to ten years

The condominium property owners' association has up to ten years to repay the loan with an optional six-month grace period for principal repayments.

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Improve your energy performance certificate and save on your energy bills

Replace the façade's insulation and improve heating or lighting installations in order to reduce energy consumption.

Préstamo de Rehabilitación Energética - Financiación

Take advantage of attractive financing now*

APR of 5.00%. AER of 5.40% for a loan amounting to €100,000 having an eight-year term.

APR of 5.00%. AER of 5.74% for a loan amounting to €15,000 having a four-year term.

Fixed interest rate: your condominium owners' association will pay the same repayment amount each month without any surprises!

View typical example
Préstamo de Rehabilitación Energética - Fondos Next

The European Union is allocating €750 billion to the economic recovery

Register free of charge for the Next Simulator and find out whether you can benefit from the new Next Generation European funds. We help you find and process the grants and subsidies that are available for you and your condominium property owners' association. Find out whether you are eligible for a European grant.

Go to Grant Simulator

Frequently asked questions about the Energy Renovation Loan for Condominium Property Owners' Associations

What kind of projects and energy renovation works can be financed?

The actions which can be financed are the following:

 

a) Energy efficiency improvements in heating insulation.

 

b) Energy efficiency improvements and renewable energy use in heating, air conditioning, cooling, ventilation and sanitary hot water installations.

 

c) Energy efficiency improvements in lighting installations.

Who can apply for an Energy Renovation Loan for Condominium Property Owners' Associations?

The loan application must be submitted on behalf of the condominium owners' association but signed by its president and/or secretary-administrator in accordance with the resolution taken by the owners' association. Find out about the documents needed at any of our branches. Furthermore, granting is subject to the institution's criteria.

How must the condominium property owners' association prove the renovation works' cost?

When it applies for the loan, the condominium property owners' association must submit the quote for the works to be carried out, which must include VAT.

THE SMALL PRINT IN CAPITAL LETTERS

 

 

TYPICAL EXAMPLE

Term: Up to ten years.

Redemption and settlement of interest: Constant monthly principal and interest repayments.

Amortisation method: French.

Front-end fee: 1%, minimum of €175.

Assessment fee: Exempt.

APR as from 5.00% for transactions having a term of up to eight years and 5.25% for transactions having a longer term. The AER will vary depending on the loan's term and amount. Calculations made for a loan taken out on 02/02/2023 and a first repayment date on 02/03/2023.

AER of 5.40% for the principal of a loan amounting to €100,000 having an eight-year term and monthly interest settlements and principal repayments with a monthly repayment of €1,265.96, except the last repayment of €1,265.55. Front-end fee: 1.00% (minimum of €175). Total amount owed: €122,531.75. Amount of interest: €21,531.75. Total cost of loan: €22,531.75

AER of 5.74% for the principal of a loan amounting to €15,000 having a four-year term and monthly interest settlements and principal repayments with a monthly repayment of €345.41, except the last repayment of €345.33. Front-end fee: 1.00% (minimum of €175). Total amount owed: €16,754.60. Amount of interest: €1,579.60. Total cost of loan: €1,754.60
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AER of 5.61% for the principal of a loan amounting to €500,000 having a ten-year term and monthly interest settlements and principal repayments with a monthly repayment of €5,364.59, except the last repayment of €5,363.86. Front-end fee: 1.00% (minimum of €175). Total amount owed: €648,750.07. Amount of interest: €143,750.07. Total cost of loan: €148,750.07
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AER of 5.67% for the principal of a loan amounting to €15,000 having a nine-year term and monthly interest settlements and principal repayments with a monthly repayment of €174.57, except the last repayment of €174.66. Front-end fee: 1.00% (minimum of €175). Total amount owed: €19,028.65. Amount of interest: €3,853.65. Total cost of loan: €4,028.65

(*) Granting subject to the institution's criteria.

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