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Afforestation loan

Loan to transform unused or non-forest land to a forest

Afforestation is creating a forest through planting, seeding or natural regeneration on non-forest land.

  • 1.49 % interest rate + 6-month Euribor (no less than 0%) for loans up to 200 000 Eur.
  • 0.5% standard interest rate reduction for loans over 200 000 Eur.
  • Find out quickly if your land is eligible for afforestation with free Carbon Opportunity Assessment from our official partner.
  • To get a loan you should provide Afforestation Plan and a Climate Benefit Analysis. Arbonics is our official partner for providing needed documents.

Information regarding potential risks
Improper fulfilment of your financial obligations may negatively affect your credit history, increase the price of credit, and if the agreement is terminated due to material breach on your side, you may lose any payments already made, as well as the any rights to the financed property.

Minimum loan amount 5000 EUR

The calculation is approximate and it is not a commitment to provide financing.

Loan repayment schedule is up to 30 years but loan maturity is up to 5 years!

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Loan payment schedule sample

Payment Balance Principal repayment Interest payment Monthly payment
0 0.00 0.00 0.00 0.00

With afforestation loan you can finance all afforestation related activities.

  • Afforestation – planting a forest on a land that, until then, was under a different land use or not used.
  • Planting trees is also a way to increase your land value and a chance to use your land in sustainable way.

Why is it important to plant forests?

There are many vacant, abandoned and in some cases degraded lands that are not being used to their full potential.

Planting a forest is one of the most effective ways to tackle climate change, as forests are one of the few natural ecosystems that can store carbon and help to offset CO2 emissions produced by humans.

To make life simple for you, we recommend contacting our official partner to help you prepare all the necessary documentation:

  • 1.49 % interest rate + 6-month Euribor (no less than 0%) for loans up to 200 000 Eur.
  • 0.5% standard interest rate reduction for loans over 200 000 Eur.
  • Loan term up to 5 years.
  • Loan repayment schedule up to 30 years.
  • Amount of loan when land is used as a collateral shall not exceed 70% of the market value of pledged assets.
  • Obligations:
    • Transform non-forest land to forest.
    • Not to utilize forest, or transfer ownership rights over the afforested land.
    • To present Planting confirmation within 2 years after the loan payment day specified in the agreement.
  • In the event of a breach of obligations, interest rate will be reversed to standard customer-based interest rate.

Loan (investment loan, working capital loan, overdraft (credit on bank account), credit line, guarantee limit, and other loans for corporate customers, except loans mentioned below as well as loans subject to separate fees approved).

Service or transaction Fee, EUR
Fee for concluding (managing) the loan agreement 0.4–1.5 % of the amount of the loan (min EUR 120)
Fee for increasing the amount of the loan 0.4–1.5 % of the amount of the loan to be increased (min EUR 120)
Fee for revising interest, extending the loan, revising the schedule of repayment of the loan (not applicable to guarantee limit) 0.4–1.5 % of the amount of the loan (min EUR 120)
Fee for revising other terms and conditions of the loan EUR 80
Commitment fee 0.26–4.71 % of the unused amount of the loan
Commitment fee (applicable to uncommitted credit line and uncommitted overdraft) 0.2 %
Issuance of permits / consents EUR 20

Investment loan for apartment house renovation (Apartment Owners Association)

Service or transaction Fee, EUR
Fee for concluding (managing) the loan agreement 0.7 % of the amount of the loan
Fee for increasing the amount of the loan 0.7 % of the amount of the loan to be increased
Fee for extending the loan 0.5 % of the outstanding balance of the loan
Fee for revising other terms and conditions of the loan EUR 60
Fee for repaying the loan before term provided in the agreement N/A
Issuance of permits / consents EUR 20

Notes:
1. Final charge on a case-by-case basis is determined by a competent loan committee or persons having respective individual expertise.
2. These fees also apply to granting loans to natural persons, if such loans are granted for business financing purposes.

  1. Find out quickly if your land is eligible for afforestation with free Carbon Opportunity Assessment from our official partner.
  2. Fill out the application on the Internet Bank. We will contact you within 2 business days.
  3. Prepare Afforestation Plan and Climate Benefit Analysis. This can be done with the support of our official partner Arbonics.
  4. Sign the agreements via Internet Banking or book a time at Swedbank branch.
  5. Submit loan collateral and conclude a mortgage or pledge agreement.
  6. Receive the funds and start planting the new forest!
  7. Once the forest is planted, provide us Planting Confirmation.
  8. You will also have to provide us with a Forest Management Plan when the duration of the Afforestation Plan expires.
Agricultural machinery leasing, long-term loans for investment or agricultural land acquisition. Loan for purchasing and installing solar panels, wind turbines, heat pump.

Carbon Opportunity Assessment – assesses land suitability for afforestation, and forecasts potential carbon revenue generated through the voluntary carbon market.

Afforestation Plan - a comprehensive plan which specifies where trees will be planted, what kind of trees will be planted, and the activities planned to maintain good forest condition, and reduce forest related risks (e.g., fire, diseases)

Afforestation plan should include the following elements:

  • description of the area according to its gazetting in the land registry
  • site preparation and its impacts on pre-existing carbon stocks, including soils and aboveground biomass, in order to protect land with high carbon stock
  • management goals, including major constraints
  • general strategies and activities planned to reach the management goals, including expected operations over the whole forest cycle
  • definition of the forest habitat context, including main existing and intended forest tree species, and their extent and distribution
  • compartments, roads, rights of way and other public access, physical features including waterways, areas under legal and other restrictions
  • measures deployed to establish and maintain the good condition of forest ecosystems
  • consideration of societal issues (including preservation of landscapes, consultation with stakeholders in accordance with the terms and conditions laid down in national law)
  • assessment of forest related risks, including forest fires, and pests and disease outbreaks, with the aim of preventing, reducing and controlling the risks and measures deployed to ensure protection and adaptation against residual risks
  • assessment of impact on food security
  • all DNSH criteria relevant to afforestation.

Climate Benefit Analysis - an analysis of the net climate benefits of afforestation. The analysis will consider carbon sequestered by trees and soils, and greenhouse gas emissions generated by afforestation activities.

Planting Confirmation ensuring that you have followed the Afforestation plan and planted the trees or an equivalent confirmation of the inclusion of the forest area in the respective state registry.

Forest Management Plan (or equivalent instrument, as set out in national regulations) should include the following elements:

  • management goals, including major constraints;
  • general strategies and activities planned to reach the management goals, including expected operations over the whole forest cycle;
  • definition of the forest habitat context, including main existing and intended forest tree species, and their extent and distribution;
  • definition of the area according to its gazetting in the land registry;
  • compartments, roads, rights of way and other public access, physical features including waterways, areas under legal and other restrictions;
  • measures deployed to maintain the good condition of forest ecosystems;
  • consideration of societal issues (including preservation of landscapes, consultation with stakeholders in accordance with the terms and conditions laid down in national law);
  • assessment of forest related risks, including forest fires, and pests and disease outbreaks, with the aim of preventing, reducing and controlling the risks and measures deployed to ensure protection and adaptation against residual risks;
  • all DNSH criteria relevant to forest management.
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