How does the energy declaration work and do energy-efficient homes get better loan terms?

Energy declaration ("energideklaration") is a legal requirement when selling houses, showing energy use and energy class ("energiklass"). It's valid for ten years and must be available when advertising. Some banks offer green mortgages ("grönt bolån") with better rates (often 0.1-0.2 percentage points lower) for energy-efficient homes, usually requiring energy class ("energiklass") A, B, or C. Energy-efficient homes also have lower running costs ("driftkostnader"), giving you more room in the bank's KALP calculations ("KALP-kalkyl"). In the longer term, poor energy class ("energiklass") can affect property value.