A smaller plan does not mean a less important plan

Often, even smaller home improvements can significantly improve everyday life. Worn-out plumbing, old electrical wiring or an impractical kitchen are not just visual issues - they affect the safety, comfort and monthly costs of your home.

Replacing windows, insulating a house or installing a ventilation system can also be an important investment in the quality and energy efficiency of your home.

That is why the most important thing is not borrowing the largest possible amount, but choosing financing that matches your specific plan.

When is a Renovation loan the better choice?

A Renovation loan is usually suitable for home renovation or improvement projects without large-scale construction, up to €10,000.

It is often used for:

  • bathroom or kitchen renovations;

  • restoring floors, walls and ceilings;

  • replacing electrical wiring or plumbing;

  • cosmetic home repairs;

  • improving terraces, garages or other parts of the home.

This type of financing may suit you if you want to gradually improve your home or complete specific upgrades without applying for a mortgage.

When do you need an Energy efficiency loan?

If your main goal is to reduce home maintenance costs and improve energy efficiency, an Energy efficiency loan may be the more suitable solution.

It is intended for:

  • house insulation;

  • replacing windows and doors;

  • improving heating systems;

  • installing ventilation systems;

  • installing solar panels.

These projects are often long-term investments in your home. They can help reduce heating costs, improve comfort and increase property value in the future.

When is a Small home loan more suitable?

A Small home loan is designed for broader property-related plans up to €30,000 without a down payment.

It may be suitable if you:

  • want to buy a plot of land;

  • plan to purchase a summer house or a small countryside property;

  • need financing for an extension or reconstruction;

  • want to complete unfinished construction work;

  • need financing for larger home improvements.

Unlike a traditional construction loan, this solution does not require real estate collateral or a detailed construction estimate. Financing can be received in a single payment after signing the agreement.

How to understand which loan suits you?

In simple terms:

Renovation loan - for home renovation and improvements;

Energy efficiency loan - for insulation, heating improvements, solar panels and other energy-efficient solutions;

Small home loan - for broader property projects, reconstruction, construction or purchasing a smaller property.

The most important thing is to choose a solution that matches your plans and everyday budget. If you have a specific property-related plan and a mortgage feels too extensive, Inbank can help you take the next step more simply.

Fill out an application and find out what financing you could receive.