Improve your home – improve your daily life
Renovation is more than just laying new floors or painting walls. More and more homeowners choose to use renovations as an opportunity to make significant changes – not just improving the look of their living space, but making it more comfortable, safer, more efficient, and more affordable in the long run. That could mean replacing windows, insulating the building, or modernizing the heating system.
Window replacement
Windows that have served for over 20 years tend to deform over time and are one of the main causes of heat loss. Replacing them – especially with triple-glazed options – can reduce heating costs by up to 15%. It also reduces noise levels in your home, making it a more peaceful place to relax after a long day.
External wall insulation
For private houses, insulation with modern thermal materials can cut energy consumption by up to a third. While external insulation is usually the better option, if you live in a standard-type apartment and can’t reach an agreement with other owners, internal wall insulation is also possible.
Smart thermostats and radiator replacement
Radiators wear out over time – especially if they’ve been in use for over 15 years. While professional cleaning may help at first, replacement is often more effective. If you do replace them, choose models with thermostats to maintain your preferred temperature and reduce costs. Smart thermostats let you control heating remotely – according to your daily schedule.
Ventilation with heat recovery
Moist air and mold not only reduce your quality of life – they also raise heating costs because the rooms need more warmth. A heat recovery system provides fresh air while retaining up to 80% of the room’s heat. With thoughtful solutions, you can make your apartment more energy-efficient too. In the long run, it pays off – in savings and in comfort.
Renovation – a common reason for taking loan
According to a 2024 Inbank survey, home renovation is one of the most common reasons why people take out loans. Company data backs this up: in 2024, 20% of all consumer loan volume was issued specifically for renovations. That means one in five loans is used for improving homes – from small updates to major energy-efficiency upgrades.
The average loan amount: around €7500
On average, people borrow around €7500 for home improvements, including energy-efficiency projects. Nearly half (46%) of these borrowers are aged 40 – 55; 32% are aged 25 – 40; and 18% are over 55.
Renovation is rarely an impulsive decision. It’s a thoughtful investment in your home, helping you live more comfortably, save energy, and cut costs in the long term. Whether you’ve just bought a place on the secondary market or want to lower expenses in your current home, spring is the perfect time to begin the transformation. Learn more about Inbank’s renovation loan for energy-efficiency upgrades – and start your spring refresh today!
