Sparkasse bank: ECO loans for ECO home – improve energy efficiency in your home

Sparkasse bank: ECO loans for ECO home – improve energy efficiency in your home



Managing body

Sparkasse Bank

Volume of funding

Maximum loan amount: Up to €50.000. Repayment period: up to 20 years. Approval fee: 2% (minimum 500 MKD). Interest rate: fixed, for the first three years starting from 5.7% ; flexible, after expiration of the fixed period, starting from 5.9% depending on the client’s internal credit rating


Consumer loans for energy efficiency within the EBRD Western Balkans Green Economy Investments Project (GEFF). GEFF in Macedonia is part of the Regional Energy Efficiency Programme for the Western Balkans launched by the EBRD providing and supporting investments in the green economy. ECO loans can be used enhancing energy efficiency in the household. Successfully implemented and approved projects are eligible for investment grants between 15% and 20% of the investment value. The Technology Selector is an online energy efficiency technology catalogue with high performances already approved for funding by GEFF, and includes the following categories: Windows, doors and glazing; Insulation; Biomass stoves/boilers; Gas boilers; Solar water heaters; Photovoltaic systems; Heat pumps; Lighting; Balanced mechanical ventilation; Hot water storage tanks. Eligible projects include funding technologies from the Technology Selector as well as ancillary material costs, delivery and installation up to the defined maximum percentage of the technology costs

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