LHV green products
As part of an important society sector, we influence the environment around us directly through our products and services. We have developed offers that help LHV customers make environmentally friendly choices.
Green home loan
We have developed special loan offers that motivate our clients to make environmentally responsible consumer decisions.
LHV’s home loan is the most flexible home loan in Estonia and is suitable for an informed customer who is about to purchase a home. As the bank with the best level of service, we have fully committed ourselves to offering our customers a memorable experience and smooth service. Transfers are always free of charge at our bank and the revenue earned from interest on loans remains in the Estonian economy.
- Interest rate 1.79% + euribor for all the customers who purchase property of energy class A
- Initial loan offer within 24 hours
- Premature loan repayment free of charge
Calculate the monthly payment
This is an estimate and may differ from the actual terms and conditions offered.
This is an estimate and may differ from the actual terms and conditions offered.
The home loan is offered by AS LHV Pank. Always think through your loan decision carefully. Review the terms and conditions at lhv.ee/kodulaen and ask for advice from our specialist. The annual percentage rate of charge for a home loan is 1.835% on the following sample conditions: loan amount of 120,000 €; interest rate of 1.79% per year (floating, based on 6 months’ euribor); agreement fee of 500 €; period of 360 months; with 155,106 € as the sum and 360 as the number of repayments; and the total amount paid back being 155,606 €, with payment in the form of monthly annuity payments. An insurance contract needs to be concluded and a mortgage set for the collateral in order to receive the loan. The rate does not include the expenses related to establishing and insuring the collateral.
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. We therefore ofer a car leasing for new fully electric vehicles purchased for general use on favorable 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
- Interest rate of 1.95% + 6 month euribor
Green hire-purchase
By increasing energy efficiency and using renewable energy sources, you are making a solid investment in the future. We want to make it easier for you to make energy-efficient choices by offering you a better interest rate than regular hire-purchase has. The interest rate we offer is not linked to Euribor, and you do not need to provide any additional documents or collateral.
Interest of 4.9% on the outstanding loan balance for the purchase of solar panels.
- You can use hire-purchase to buy solar panels as well as to install them.
- Your solar panels are covered with our home insurance. If you choose the Green Home insurance plan, they are insured without a deductible.
- Partners
The monthly hire-purchase payment is 215,23 € and the annual percentage rate of charge is 5,35% on the following sample terms and conditions: cost of the product/service 12 000 €, down-payment 0%, credit amount 12 000 €, annual interest rate of 4,9% on the outstanding balance (fixed), contract fee 99,9 €, hire-purchase period of 64 months, with monthly annuity payments, in the total sum of 13774,67 € and the total sum of monthly payments being 13774,67 €.
Interest of 9.9% on the outstanding loan balance for the purchase of energy-efficient devices.
- You can use hire-purchase to buy heating solutions, electric vehicles and electric car chargers.
- With the Mega Home insurance plan, your household appliances and technical systems are covered in the case of accidents as well as breakdowns.
- Partners
The monthly hire-purchase payment is 93,12 € and the annual percentage rate of charge is 11,47% on the following sample terms and conditions: cost of the product/service 2000 €, down-payment 0%, credit amount 2000 €, annual interest rate of 9,9% on the outstanding balance (fixed), contract fee 19,9 €, hire-purchase period of 24 months, with monthly annuity payments, in the total sum of 2234,87 € and the total sum of monthly payments being 2234,87 €.
Apply for hire-purchase
Calculate the monthly instalment
The results are estimated and may differ from the terms and conditions offered to you.
Green investment loan for companies
Estonian economy is too carbon-intensive. Therefore, investing in lower energy consumption, production of renewable energy or daily resource efficiency is very profitable and will increase the competitive advantage of any company.
- Investment loan up to 500,000 euros with interest of 3.5% + 6 months euribor
Our partners: Smartecon, eTerminal, DeltaE engineering office, Solar4you, Energy partner, Naps Solar, Eesti PäikeseVägi and E-Service.
Green loan for housing development
For people to have energy-efficient apartments, someone has to build them.
- investment loans for energy class A housing developers with interest rate 0.5% lower than usual.
Green pension funds
In 2020, we launched Estonia’s first green pension funds — LHV Pension Fund Green and LHV Pension Fund Green Plus, for promoting environmental sustainability.
In 2018 all over the world 450 new sustainability driven funds were established, in 2019 this number of funds alreadey exceeded 500 and in 2020 more than 700 funds were established. Additionally, a considerable amount of funds have revised their investing principles following the sustainabilty mindset. When in 2018 this kind of funds managed a volume of $0.7 trillion, a year later this sum had risen to $1.0 trillion and two years later already $1.6 trillion. 2020 will go down in history as the year when the world's three largest economies - the United States, China and the European Union - pledged to reduce their carbon emissions to climate-neutral levels by 2050-2060. Green values in investment are not a temporary, but a strong and very fast-growing trend.
Green values in investment activities are not a temporary phenomenon but rather a strong and fast-growing trend.
We believe that, like elsewhere in Europe, Estonia has enough green-minded people who want their retirement savings to follow sustainable principles connected to a green worldview.
LHV’s green pension funds are meant for anyone, who cares about green mindset even a little bit and who believes that investing money must be productive in the long run, but certainly also environmentally friendly and sustainable.
The funds always invest 75% to 100% into equity. At least half of the portfolio is invested in investment funds that abide by sustainability principles or have environmental themes. All individual investments are similarly environment-based - they are related to renewable energy, energy performance, water technology, reducing pollution, waste management, ecological support activities, responsible forestry, and agriculture. According to the prospectus, the management fee is 0.49% per year. The green funds are managed by Joel Kukemelk.
Read more:
II pillar fund LHV Pension Fund Green. Join
III pillar fund LHV Pension Fund Green Plus. Join
Also see LHV asset management’s principles of responsible investing and voting policy.
