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Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
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      Family looking out their new window after their energy efficiency renovation loan

      Energy Efficiency Loan for customers

      We can help you save on routine energy costs

      From 5.95% NIR / 6.28% APR with a paycheck or pension direct deposited at BBVA

       

      To 6.95% NIR / 7.34% APR with a paycheck or pension not direct deposited at BBVA

      • No commitment fee.
      • Up to €75,000 and a term of 2 to 8 years.
      Calculate

      Do you need less than €3,000?

      See what advantages the Aqua Credit Card has to offer.
      I would like more information

      This example will make it clearer

      • EXAMPLE OF A LOAN WITH PAYCHECK OR PENSION DIRECT DEPOSITED
        • Loan amount: €10,000.
        • Commitment fee: €0.
        • Repayment period: 8 years (96 months).
        • Constant monthly payment: €131.17.
        • Interest rate: 5.95% NIR / 6.28% APR.
        • Total to repay: €12,667.24.

        The APR was calculated taking into account postage expenses (€0.78/month). 

        Calculations based on loan being signed on the last day of the month.

         

        EXAMPLE OF A LOAN WITH NO PAYCHECK OR PENSION DIRECT DEPOSITED
        • Loan amount: €10,000.
        • Commitment fee: €0.
        • Repayment period: 8 years (96 months).
        • Constant monthly payment: €136.09.
        • Interest rate: 6.95% NIR / 7.34% APR.
        • Total to repay: €13,139.29.

        The APR was calculated taking into account postage expenses (€0.78/month). 

        Calculations based on loan being signed on the last day of the month.

      You can improve the interest rate

      • To be eligible for a discount in the interest rate of the Energy Efficiency Loan, you only need to meet one of these conditions:

        • Direct deposit a paycheck of at least €600.
        • Direct deposit a pension of at least €300.

      What projects can you finance?

      • With this loan, you can make home renovations and purchase devices designed to save energy, helping you consume responsibly and reduce your carbon footprint: 

        • Electric and plug-in hybrid vehicles.
        • Electric bicycles and scooters (with and without a motor).
        • Purchase of household appliances with the ratings specified.

        *Check the energy label ratings for a discount below.

        • Lighting with LED technology.
        • Installation of heating and hot water systems with condensation or biomass boilers and heat pump, with the ratings specified. 

        *Check the energy label ratings for a discount below.

        • Automatic on/off timers.
        • Presence detection to turn on lighting.
        • Wall insulation and window replacement.
        • Installation of charging points for electric vehicles.
        • Solar panels for self-supply

         

      Illustration of a car next to two leaves

      Are you planning to buy or replace an electric or plug-in hybrid vehicle?

      Then the BBVA Eco-Car Loan is for you.
      See car loan

      How much money can I request?

      • From a minimum of €3,000 up to a maximum of €75,000. If you need a smaller amount, you can apply for one of our credit cards. 

      How long do I have to pay it off?

      • You can choose from a minimum period of 2 years up to a maximum period of 8 years, depending on the amount requested. 

      Find out about energy labeling

      The classes with a discounted rate on the loan are the ones specified below
      Your appliance or system has to be rated A+++ or A++ (under the old system), or A or B (under the new system).
      Energy efficiency table

      Apply for your BBVA Energy Efficiency Loan now

      Apply

      Workers installing a window
      Sustainable tax deductions for the Annual Tax Return
      If you are thinking about renovating your home, see what tax deductions are available for making your home more efficient.
      Watch the video

      Would you like more information?

      The BBVA Energy Efficiency Loan has no commitment fee. However, if you decide to pay back all or part of your loan early, you will have to pay a 0.50% fee if there are less than 12 months left to repay it, and 1% if there are more than 12 months left.

      Yes, to obtain this loan you must have a BBVA account, which is where the money will be deposited and the installments will be charged. If you are not already a client, you can open your account during the process.

      To request this loan, you only need to be a private customer, not a self-employed person or a company, and have an account with BBVA (if you do not have one, you can open it during the application process).

      You will also need to provide a budget or pro-forma invoice to confirm that the loan will be used for a purchase or upgrade intended to improve energy efficiency, as specified in our list of eligible uses. 

      See list

      And in order to be eligible for the interest rate of 5.95% NIR / 6.28% APR, you would need to direct deposit with BBVA a paycheck for a net amount of at least €600 a month, or a pension for a net amount of at least €300 a month. If you decide not to direct deposit your paycheck or pension, the interest rate would be 1 percentage point higher.

      Any home renovations that are intended to make energy consumption more efficient will help you improve its energy rating. Check our list for the home renovation projects you can use the loan for.

      If this happens, late payment interest will be applied. Also, failing to make payments can lead to financial consequences (e.g., forced sale of property) and problems obtaining future loans. 

      BBVA recommends responsible financing. 

      The NIR (Nominal Interest Rate) is what you pay the bank to lend you money. The NIR is usually less than APR and can't be used to compare the cost of different loans, since it only considers the interest rate and not all the costs of the transaction.

      The APR (Annual Percentage Rate) indicates the cost of a financial product, such as a loan, including both the interest and different expenses and fees involved. This figure lets you compare different loans since the lower the APR, the cheaper the loan.

      Yes, this loan offer is valid until 03/31/2023 (subject to approval by Banco Bilbao Vizcaya Argentaria, S.A.).

      Yes, you will have the right to withdraw from the loan contract without incurring a cancellation fee for 14 calendar days from the date you sign. You would only have to pay back the money received and the interest accrued during those days.

      For example: if you apply for a loan of €10,000 with an NIR of 5.95% payable over 8 years (96 months) and decide to cancel it within 14 calendar days, you would have to pay €1.36 for each day that has elapsed.

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        Turn your projects into reality Request up to €75,000 in less than 3 minutes.
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        Get up to €75,000 to finance your electric or hybrid plug-in car, with as much as 8 years to pay it back.
        Sustainable product
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        • Credit card, you pay the following month or in installments.
        • Set your own credit limits.
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      Be a BBVA customer.

      • At BBVA we want to help you with your day-to-day errands.
      • We are working to make your life a little easier with our digital solutions.
      • Our approach is based on transparency, clarity and responsibility.
      BBVA Energy Efficiency Loan
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