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Banks are actively and sustainably committed to the topic of “sustainability” and cordially invite you to take out loans in the name of this noble cause.
For example, the bank “Citadele” announces a wide range of home loans and begins issuing home loans to residents for the purchase of energy efficient apartments.
“The new direction green housing loan will be granted to residential properties that will be built before 2021” and correspond to energy efficiency class A or higher. If the purchased apartment was built in 2021. In order to receive such a loan, the house must have at least energy class A++ and the primary energy requirement of the house must be at least 10%. lower than that of a nearly zero-energy building and complies with the European Union Taxonomy Regulation.
“Currently, more than two thirds of all new projects we work with that are being sold to the market for the first time meet energy efficiency class A or higher. Almost all projects launched in 2023 correspond to this class. Although green housing loans currently represent a smaller part of our loan portfolio, we are already observing the growth of this part and, given the completion of housing construction, future new projects and the changing needs of the population, we expect further growth,” says Rūta Ežerskienė. Board member of the Bank “Citadele”, responsible for retail banking in the Baltic countries.
According to her, when planning to purchase a new house, residents are increasingly interested not only in the energy class, but also in the technologies and heating solutions of the implemented project. The advantages of “green” housing are usually lower operating costs, greater comfort, better sound insulation, etc.
In addition, residents who want to renovate their own apartment can take advantage of the green home loan. It will be possible to requalify and refinance under a green home loan.
The New Direction loan will be available to customers remotely like a regular home loan. Borrowers also receive free home insurance for one year.
“We are pleased to be able to offer our customers modern banking products, such as the Green Savings Account, which we were the first to offer on the Lithuanian market, and now we also have a green housing loan.” Our goal is to help finance environmentally friendly projects to contribute. Therefore, we hope that we contribute to creating a more sustainable future by giving our customers the opportunity to make decisions that allow them to leave an ever smaller footprint on the environment,” adds Rūta Ežerskienė.
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