Renovation loan
New heating systems, solar PV, insulation, or bathroom revamps: elevate property value while permanently lowering energy bills.
Net loan amount
€5,000 – €75,000
Duration
24 – 180 months
Representative APR (example)
ab 4.19 % eff. p. a.
Home modernization without land charge registration
A renovation loan is the ideal financing structure for homeowners seeking to beautify their property, implement energy efficiency upgrades, or adapt living spaces for accessibility. Up to €50,000 or €75,000, many partner banks offer this as an unsecured modernization loan without costly notary or land register fees.
Key benefits
- ✓Renovation and energy upgrades
- ✓Photovoltaics, insulation, heat pumps
- ✓Predictable fixed monthly payment
100% Transparency Promise
No upfront fees, no hidden costs. Every offer is completely free and non-binding.
Solution 06
Eligibility & Documentation
Straightforward criteria for property owners:
Property Ownership
Proof of homeownership (house or apartment) via land register copy or recent property tax statement.
Renovation Purpose
Funds must be allocated towards property enhancement, repairs, or green upgrades (insulation, solar, heating).
Verifiable Earnings
Sufficient income from employment, pensions, or self-employment to cover monthly repayments.
Contractor Estimates (optional)
Contractor quotes or material supply lists unlock additional rate discounts with select lenders.
Process
4 Steps to an upgraded home
Smooth financing from planning to completion:
Plan work & budget
Estimate costs for contractor labor and renovation materials for your planned works.
Compare homeowner rates
We screen preferred home improvement rates with owner discounts alongside green grant schemes.
Approval without notary fees
Rapid underwriting based strictly on ownership verification without land registry charges.
Lump sum payout
The entire loan sum is credited to your bank account, ready to pay contractors on schedule.
Simulation
Calculate monthly payment for Renovation loan
Adjust loan amount and duration according to your individual budget.
Duration
Term comparison
Same amount, different duration: shorter means higher monthly payment but significantly less total interest.
| Duration | Monthly payment | Total interest costs |
|---|---|---|
| 24 months | €535.59 | €854.19 |
| 48 months | €285.64 | €1,710.60 |
| 72 months | €202.81 | €2,602.46 |
| 96 months | €161.77 | €3,529.46 |
| 120 months | €137.43 | €4,491.16 |
Receipt No. KF-012000-060
Date
Monthly payment
Breakdown of your repayment
Remaining balance · Year 1–5
Representative example
Net loan amount €12,000.00, duration 60 months, borrowing rate 6.69% p.a., representative APR 6.90%, monthly payment €235.87, total amount €14,152.11.
Calculations are non-binding simulations based on annuity amortization. Interest rates and conditions depend on personal credit assessment and are finalized in your binding loan offer.
Borrowing money also costs money. Borrow responsibly and ensure monthly repayments are affordable.
FAQ
Renovation loan FAQ
Mandatory statutory disclosures
Representative APR example: Net loan amount €25,000, 84 months duration, borrowing rate 4.11% p.a., representative APR 4.19%, monthly payment €343.50, total amount payable €28,854.00. Subject to property ownership verification and credit check.
⚠ Borrowing money also costs money. Only borrow what you can comfortably afford to repay.
Ready for the next step?
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