The report identifies and explores the key touchpoints between the EU regulatory and supervisory landscape and energy efficient mortgages, with a focus on the Energy Efficient Mortgages (EEM) definition, the EEM Label and the prudential treatment of EEM.
The report considers the challenges and opportunities faced by lending institutions in relation to the regulatory and supervisory landscape for Sustainable Finance through the lens of energy-efficient mortgages.
The NEEM Hub has introduced a data-driven approach to estimating the energy efficiency of buildings. This approach allows banks and other providers of finance to easily identify potential investments in energy efficiency.
The report concludes that the data foundation across all three countries is defined by different degrees of fragmentation.
Fostering EEM market development - perspectives and lessons learned from across Europe
The EMF-ECBC has collected factsheets from pioneers across six jurisdictions, providing information and knowledge on the local building stock, energy efficiency, and decarbonisation.
The NEEM modelling approach enhances existing energy signature models using detailed data on weather, heating use, and energy use. This report outlines the challenges encountered during the implementation and testing of our approach.
This paper provides an overview and assesses the readiness of the supply side to respond to the existing and emerging demands of Nordic banks to scale their energy-efficient mortgages – both from an asset and portfolio level point of view.
Aligning green mortgages in the Nordics with the EU taxonomy
The paper identifies areas where the EU taxonomy could further contribute to the adoption of green mortgages in the Nordics and put forwardrecommendations to achieve it.
The ultimate purpose of the solution is to identify, reach out to, and incentivise households where energy renovations would be beneficial, not only from a climate perspective but also from a financial perspective, where the savings in energy bills would surpass the costs entailed in such a renovation.
This project has received funding from the European Union’s Horizon 2020 research and innovation programme under grant agreement N° 101032653.
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