Respect for the environment and the environment is not a fashion. Fortunately, it is a way of facing the challenges that the planet is putting on us. This form of awareness has a side perhaps little known in Nigeria. However, it is widely established in Europe, we are talking about passive housing. They are those whose energy efficiency is maximum and their minimum level of emissions. What should I know about them? Are there sustainable loans for passive homes?
What is a passive home?
It is a residential or work solution in which energy consumption is minimal. Both the way of building and of isolating; It allows that house or building to maintain very low levels of polluting emissions. In other words and to exemplify. They can be warm in winter and cool in summer without using artificial means. To do this, they use totally effective insulation and recirculate the air.
Contrary to what it may seem, building a passive home is not much more expensive than a traditional home. The estimate is around 5 percent higher. However, this extra cost is amortized in a few years due to energy savings. In Nigeria, for a house to be considered passive, it needs a certification. Currently about 70 properties enjoy this consideration. But outside of this certificate, the number is greater and it will not stop growing.
In the legal field, passive houses are regulated by the European law on construction, 2010 / EU / 31. It was approved on May 19, 2010, and will enter into force on December 31 of this year. A regulation that requires new public and private constructions to be buildings with Nearly Null Energy Consumption (EECN) .
Sustainable loans for passive homes
Whatever the type of home, financing is usually requested to acquire a property. The entities are not alien to the change of regulations that is coming; and it has regulated a commitment that currently includes 37 European banks. The objective is to encourage favorable loans for the acquisition of this type of housing. In our country, there are 3 banks that already offer this financial product. The Action Plan on Energy Efficient Mortgages, or Emaap , the name given to this alliance, will respond to buyers' concerns.
These "green" loans or mortgages provide an important incentive. They will be endowed with some advantages that will make them palatable products and with tax benefits. Passive homes, as they are buildings with a very low energy consumption, also constitute a safe cushion for lenders. Why? For the reason that the owner would not have to spend part of his income to pay bulky energy bills. Reducing the possibility of default or delays. In other words, a passive home helps avoid delinquency. Therefore, sustainable loans for passive homes seem like modern products. They know how to keep up with the times, and that they can help make the home buying process more advantageous.