Green Financial Solutions Supporting More Sustainable Choices for Life, Home, and Energy 

We are increasingly choosing to do things differently – to consume less energy, plan our purchases more carefully, and think about how our everyday choices affect the world around us. What once seemed like a distant story about the future is now becoming part of everyday life. 

Interestingly, these choices are reflected not only in the environment, but also very quickly become visible in our own lives – through lower costs, greater comfort, and the feeling that we have made a smarter decision. 

This is precisely where space opens up for financial institutions to play an important role – by making such decisions more accessible and easier to implement through financial support and advisory services. 

Recognizing the importance of initiatives that encourage a more responsible attitude towards the environment, Erste Bank has developed products to improve energy efficiency, reduce energy consumption, and lower harmful gas emissions. 

Green loans are increasingly being recognized as an important instrument for encouraging environmentally conscious financial decisions. 

Green Consumer Loan 

Erste Bank’s green consumer loans aim to reduce negative environmental impact by improving energy efficiency, thereby lowering energy consumption and emissions of harmful gases. In addition to environmental benefits, such investments also bring tangible advantages in everyday life – through lower monthly costs and a higher level of living comfort. 

Loan amount: from RSD 100,000 to RSD 4,500,000
Repayment period: from 13 to 95 months
Fixed effective interest rate: 7.79% 

Green Car Loan 

Erste Bank’s green car loan supports the transition to more sustainable mobility through the purchase of energy-efficient vehicles that emit less than 50 g of carbon dioxide per kilometer traveled. By choosing an electric or hybrid car that meets the required criteria, customers can secure a more favorable, fixed interest rate. 

Loan amount: up to RSD 4,500,000 / EUR 40,000
Repayment period: up to 83 months
For a loan indexed to EUR, a 30% down payment is required, whereas loans in RSD do not require a mandatory down payment. 

Green Housing Loan 

Erste Bank’s commitment to environmental sustainability and reducing negative environmental impact is also reflected in its broad range of green loans. For this reason, a special offer has been prepared for the purchase of properties whose energy performance meets criteria aligned with the EU Taxonomy for sustainable activities. 

Customers can choose a housing loan with a fixed interest rate and a repayment period of up to 240 months, or a loan with a variable or combined interest rate and a repayment period of up to 360 months. 

For the purchase of properties in energy class A or A+, it is possible to apply for a loan with a variable or combined interest rate, with a maximum repayment period of up to 35 years. 

For buyers purchasing their first residential property in Belgrade, Novi Sad, Niš, and Kragujevac, financing is available with a 10% down payment. 

Energy Efficiency Loan from the EBRD Credit Line 

The energy efficiency loan, supported by the EBRD and the GEFF program, enables investment in energy-efficient technologies that contribute to lower electricity and heating bills, while preserving comfort and reducing negative environmental impact. Beneficiaries of this loan also receive a financial reimbursement of part of the invested funds – 20% of the loan amount for the introduction of solutions based on renewable energy sources, or up to 15% for other energy efficiency improvement measures covered by the program. 

Loan amount: from RSD 100,000 to RSD 4,500,000
Repayment period: from 13 to 95 months
Interest rates are more favorable with a salary transfer to Erste Bank. 

EBRD SME Go Green Program Supporting Sustainable Investments 

The loan under the SME Go Green program is intended for sustainable investments by small and medium-sized enterprises (SMEs), with a special focus on investments in agriculture and agribusiness, the greening of value chains in these sectors, and support for women-led businesses. The credit line is made available with technical assistance and incentives financed by the European Bank for Reconstruction and Development (EBRD) and the European Union (EU). 

Financing Renewable Energy Projects 

Erste Bank supports the implementation of projects using renewable energy sources through long-term financing of up to 15 years, an individual approach for each project, and the provision of funds to accelerate investment implementation. To date, more than 80 renewable energy projects have been financed, with a total installed capacity of more than 800 MW and investments exceeding EUR 400 million. 

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