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Loan for afforestation

A loan for transforming 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 for loans up to 200 000 Eur.
  • Standard interest rate is reduced by 0,5% for loans exceeding 200 000 euros.
  • Contact our official partner Arbonics to get a quick Carbon Opportunity Assessment to find out if your land is suitable for afforestation.
  • To receive a loan you should provide us an Afforestation plan and a Climate benefit analysis, Arbonics can help for providing needed documents.
The minimum amount for loan is 5000 EUR

The calculated monthly loan payment is for information only and gives an approximate idea.

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

Afforestation – planting a forest on a land that, until then, was under a different land use or not used.

  • With afforestation loan you can finance all afforestation related activities.
  • 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 create a forests?

There are many empty, abandoned and sometimes even degraded lands that are not 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 Arbonics who will help you prepare all the necessary documentation:
  • Maturity up to 5 years.
  • Payment schedule up to 30 years.
  • LTV maximum allowed 70%.
  • Collateral is land where forest is planted.
  • Commitment to transform non-forest land into forest.
  • Ban on utilizing forest, re-forestation activities and transferring the rights over the afforested land.
  • Commitment to present within 2 years from receiving the loan Planting confirmation.
  • In the event of a breach of the obligation, interest rate will be increased to standard customer-based interest rate.

Legal persons

Effective as of 01.10.2020
Investment loan, working capital loan
Application of investment loan, working capital loan 1% of the loan amount, but no less than 200 €
Amendment of the agreement 1% of the loan/limit amount, but no less than 200 €
Early loan repayment fee 1,5% of the amount repaid early
Overdraft, revolving credit line
Application 1% of the limit amount, but no less than 200 €
Amendment of the agreement 1% of the loan amount, but no less than 200 €
Obligation fee 2% of the unused credit limit
Apartment association loan
Application 1% of the loan amount, but no less than 200 €
Amendment of the agreement 1% of the loan/limit amount, but no less than 200 €
Early loan repayment fee 1,5% of the amount repaid early
  1. Contact our official partner Arbonics for Carbon Opportunity Assessment to find out if you have suitable land for afforestation.
  2. Fill out the application on the Internet bank. We will contact you within 2 business days.
  3. We will inform you about our credit decision.
  4. With the support of our official partner prepare Afforestation plan and Climate benefit analysis.
  5. Sign the agreements via Internet bank.
  6. Receive the funds and start planting the new forest!
  7. Once the forest is planted, you will 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.

Various financing options for the needs of your farm.

A loan for purchase of solar panels, wind turbines, heat pumps.

Carbon Opportunity Assessment - includes a land suitability assessment for afforestation, and a forecast of potential carbon revenue generated through the voluntary carbon market.

Afforestation Plan - a comprehensive plan which describes 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:

  • 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 above-ground 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 landscape, consultation of stakeholders in accordance with the terms and conditions laid down in national law);
  • assessment of forest related risks, including forest fires, and pests and diseases 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 Maakataster.

Forest management plan (or equivalent instrument, as set out in national regulations)

Forest management plan should include:

  • 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 landscape, consultation of stakeholders in accordance with the terms and conditions laid down in national law);
  • assessment of forest related risks, including forest fires, and pests and diseases 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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