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. Based on sustainability and responsibility principles, we have supplemented and published a list of business areas that contradict our credit policy.
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
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
- Solarstone Energy, Sigma Systems, E-Service, E-Systems, Naps Solar, Roofit.solar, Solar4you, Ikigai Solar, SunStyle, Energiapartner, Eesti PäikeseVägi, Toode Solar, Energogen, Bestair, Nord Solar.
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
- VS Kliima, E-BikeStore, Bestair, KliimaMarket, Priima Soojuspumbad, Electra, Voltride, AIT-Nord, Mugavküte, Samtec, Viru Kliima, Soojuskeskus, Kliima Express, Maasoojus.ee, Maaküte, Prokliima, EnergiaStuudio, Tõuksimaailm, Elektriautolaadija.shop, Energiapada, Vonk, Sunsystems, Kliimakaubamaja and Kodukliima.
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-purchaseCalculate 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
