We have developed special loan offers that motivate our clients to make environmentally responsible consumer decisions.

LHV’s influence in the Estonian financial sector is continually growing. As a part of a sector that is vital for society, we have a direct and indirect effect on our surroundings and make our most significant contribution through investing and financing. That is why we have decided to channel cash flows from our core activities more concertedly to activities that support the transition to climate- neutral and sustainable economy.

We have developed special loan offers that motivate our clients to make everyday consumer choices that are as environmentally responsible as possible.  In this way, we do our part to support economic growth, which at the same time reduces greenhouse gas emissions and pollution and waste generation. This also makes the use of natural resources more efficient.

Green home loan

One of the most important consumer decisions a person will ever make – in terms of the financial cost and the environmental impact – is regarding purchasing their home. One-third of the average Estonian’s annual CO2 footprint is related to their home – mostly deriving from energy used for heating and emissions arising from use of household electricity.

We would like to promote the building and buying of the most energy efficient homes, so we’re offering a green home loan:

  • Estonia’s first green home loan
  • Interest for energy class A homes and apartments: 2.1% + 6 month Euribor
Apply for a green home loan
  • Did you know that electricity sellers also offer renewable energy plans? Given average consumption, it will add about 1 euro to the electricity bill. It’s one of the easiest steps you can take for to environmental conservation. Why not switch to renewable electricity at home today?

Green leasing

We aim to promote the purchase of energy efficient vehicles. The most energy-efficient vehicle you can choose to drive is a fully electric car. But to be sure of its level of sustainability, the energy needs to entirely derive from renewable sources.

From 2026 onwards, only cars with zero CO2 emissions per kilometre are considered clean vehicles. Only electric and hydrogen vehicles will meet this standard.

The future starts now.  So we’re offering car leasing on new fully electric vehicles on the following terms:

  • a down payment of 10% of the price of the vehicle
  • leasing period of up to 84 months
  • 10% additional discount on LHV comprehensive insurance
  • over 6 months, we offer an interest rate of 2.29% + 6 month Euribor on leases of electric vehicles
Apply
  • Did you know that your electric car’s environmental footprint shrinks dramatically if you charge it with electricity produced only from renewable energy?
  • If you opt for the renewable energy service plan, that will add about 1 euro to the electricity bill given average consumption. It is one of the easiest steps you can take towards environmental conservation.
  • In 2018, the European Environment Agency conducted a thorough analysis of the environmental impact of electric cars over the vehicle’s full life cycle. A typical electric car in Europe is more sustainable than diesel or petrol cars from the standpoint of climate change – but only if the electricity is not completely fossil-fuel-based.
  • Already now, considering the EU’s average power generation, the greenhouse gas emissions stemming from an electric car over its life cycle are already now 17 to 30 per cent lower than the figure for petrol and diesel cars. Emissions over electric car life cycles are forecasted to decrease by 73% by the year 2050, since the share of renewable energy in power generation is expected to see major growth. If electricity is based completely on wind energy, the electric car’s greenhouse gas emissions over its entire life cycle will be 90% lower than for a conventional car of the same size.
  • Greenhouse gas emissions from an electric car in the manufacturing stage (mining of resources, production of batteries) is 1.3 to 2 times greater than internal combustion engine cars, but it is compensated for by lower emissions during use. The battery is what makes the environmental impact of an electric car so great during manufacturing.
  • In the sense of cutting greenhouse gas emissions, an electric car reaches breakeven point at 44 000–70 000 km driven (depending on the size of the car) given average balance of power generation in Europe. If only renewable energy is used to charge the car, the breakeven point is reached sooner.
  • The EU’s Clean Vehicles Directive and the EU vehicle classification define a clean light-duty vehicle in 2023-2025 as a M1, M2 or N1 category vehicle with less than 50 g/km of CO2 emissions. According to the Estonian fuel consumption and carbon dioxide emission guide, only a few of the models sold in Estonia meet current limits, including about ten models of electric cars and a few hybrids.
  • The EU’s Clean Vehicles Directive and the EU vehicle classification define a clean light-duty vehicle in 2026-2030 as a zero-emissions vehicle (0 g/km of CO2). Only electric and hydrogen vehicles meet this standard.

Green hire-purchase

Renewable energy sources are undeniably an investment for the future. Using solar panels for generating energy and heating homes and household water with   geothermal energy is a smart choice. Also, instead of driving vehicles that run on fossil fuels, try considering electric monowheels or two-wheeled vehicles.

We want to make it easier for you to make energy-efficient choices.

Apply for hire-purchase
  • Did you know that electricity sellers also offer renewable energy plans? Given average consumption, it will add about 1 euro to your electricity bill. It’s one of the easiest steps you can take towards environmental sustainability. Why not switch to renewable electricity at home today?
  • A rule of thumb is that if you haven’t thought very much about saving energy at home up to now, taking a greener approach will fairly easily save you up to one month’s electricity bill a year. For every kilowatt-hour of electricity you save, the impact on your electricity bill will be threefold. How so? Because the network fee, electricity excise and renewable energy charge will all decrease.
  • Home appliances in stand-by mode can considerably contribute to your home electricity costs. Reduce your electricity bill by unplugging appliances you don’t use.