Mortgages for energy-efficient homes

Participating Financial Institutions Banca Transilvania and UniCredit Bank both used GEFF to set up green mortgage products to finance energy-efficient homes.

• Credits of up to 100,000 EUR (Lei equivalent), representing up to 80% of the value of the property were classified as loans granted under the EBRD GEFF, with any additional financing requirements being financed from other PFI sources.
• Only new or recent dwellings with an Energy Performance Certificate (EPC) of ‘A’ or the upper part of ‘B’ were eligible for financing.

The green mortgage products proved to be extremely popular with Romanian households and although both Banca Transilvania and UniCredit Bank had exhausted their combined €75 million of EBRD GEFF financing by 2019, both continue to offer their clients Green Mortgages in 2021.

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