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      Energy Efficiency Loan for Homeowners' Associations

      The financing you need to save energy in your HOA

      • The investments can be financed with a loan.
      • Repayment term up to 8 years.
      • Check the financing conditions for your HOA project.
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      Need more info?
      Request an appointment at one of our branches to get all the necessary information and receive a personalized proposal for your project. 
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      How does it work?

      • At BBVA, we want to finance a greener and fairer future

        We can help you finance those investment projects that are intended to save energy and improve energy efficiency (renovation of façades, roofs, installation of solar panels, lighting, boilers, enclosures, etc.).

        Check the conditions we offer HOAs, both in terms of the interest rate and the fees. We're a partner entity of the Institute for Energy Diversification and Saving (IDAE). 

      Features

      • Payees 

        • Designed for Homeowners' Associations.

        Nationwide

        • Both the final beneficiaries and the investment projects must be located in Spain.

      Eligible investment projects

        • Installation of façades, terraces and roofs.
        • Install solar photovoltaic panels.
        • Individualized meter installations.
        • Replace central boilers.
        • Replace lights with LEDs.
        • Replace doors and windows.
        • Install charging stations.
        • Improve broadband connections.
        • Make the homes more accessible.
      Sustainable economy icon
      At BBVA, we want to finance a greener and fairer future.

      Would you like more information?

      • Modality: loan.
      • Repayment period: 8 years.
      • Type of repayment: monthly.
      • Maximum amount: €1 million.

      The HOA requesting this financing will have to provide:

      Legal documents

      • Documentation certifying the appointment of the President: certificate from the HOA's administrator or secretary and, if these charges do not exist, minutes of the Board.
      • Supporting documentation for the financing agreement: certificate from the HOA's administrator or secretary and, if these charges do not exist, minutes of the Board. The document has to show that the agreement was approved by the following majority:
        • Agreement adopted in the first call: majority of all the owners who, in turn, represent the majority of the ownership shares.
        • Agreement adopted in the second call: the majority of the attendees, provided they represent more than half the value of the shares of those present.

      Financial documents

      • Photocopy of the HOA president's ID card/Community Tax ID Number
      • Report from the HOA's Administrator containing: number of owners; list of owners (without identifying them) with outstanding payments, specifying the individual unpaid amounts, the age of the debt and its status.
      • Minutes authenticating the number, detail and amount of the HOA's outstanding bills.
      • Certificate from the HOA with payments due.
      • The HOA's annual accounts for the last 2 years.
      • 24-month bank statement (not necessary for BBVA customers).
      • Documentation proving the grants received or requested.
      • Supporting documentation for the investment in question:
        • If it involves remodeling: work budget and license
        • If it involves facilities: pro-forma invoice.

      Are you interested?

      Request more information at your nearest BBVA branch.

      Offer valid during current month
      1. Financing
      2. Energy Efficiency Loan for Homeowners' Associations

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