At JN Bank, we are committed to your homeownership journey.
We believe it doesn’t end when you receive the keys—it evolves. That’s why we’re offering our Residential Energy Loan to support the next important step: managing rising energy costs while creating a more sustainable home and future.
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Whether you’re installing solar panels, solar water heaters, upgrading to LED lighting, or adding a biodigester
Our Residential Energy Loan will do more than help you save money—it will empower you to create a home that’s smarter, more efficient, and kinder to the environment.
Also, with expanded NHT financing and national incentives now available, there’s no better time to align your home with your values. Let JN help you to live more consciously and more affordably.
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Here are several paths to energy efficiency and a greener home
JN Bank Residential Energy Loan
Loan Features
- Up to J$5 million per household
- Up to 5 years to repay (including a 3-month moratorium on principal payments if justified)
- Competitive interest rate
- No collateral required
- Affordable processing fee
- Mandatory life insurance with financing options available
Who Can Apply
- Salaried employees permanently employed for at least 1 year or contracted employees meeting credit requirements
- Self-employed people in business for at least 2 years
- Must be between 18 and 70 years with a proven interest* in the property/residence where the energy solution will be installed
* To show proof of interest in property, applicants must provide evidence of ownership, such as a title, property tax printout, water bill, or letter from an attorney.
Documents Required
- Signed loan agreement
- Salary deduction letter/standing order
- Proof of property interest
- Credit report
- Completed KYC documents
- Invoice for energy solution
- Financial records for self-employed applicants
- If not an existing customer, persons will be required to open a savings account
NHT Smart Loan
With an NHT Smart Loan, NHT contributors can get financing for various energy efficiency projects.
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