The fashion for ecology does not go away, and even extends to new areas. We already have organic food, organic clothing, ecological cars. So the time has come for ecological flats and houses. Real estate projects with modest energy needs are becoming increasingly popular.

This was also noticed by banks

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Which offer their environmentally aware clients special loans with an additional payment for the construction of a passive or energy-saving house. The differences between these two types of buildings and how you can use the “eco-credit” suggest financial advisors from the Credit House Mr. Rochester.

Are you planning to build a house? Do you want it not only to be a dream place to live, but also to save on energy bills? You should think about an “ecodome”. It will not only be friendly to your budget, but you will also get a loan subsidy if you take it to the right bank. The additional payment may amount to even USD 50,000.

It is possible thanks to the government support of ecological construction

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After the success of subsidies for solar collectors, a new program of the National Fund for Environmental Protection and Water Management for 2013-2018 has been launched this year, in which USD 300 million has been allocated to use for energy-saving construction (which according to NFEPWM will subsidize 12,000 houses and apartments with low energy demand).

What does an energy-efficient house mean?
The condition for obtaining “eco-credit” is to equip the property with elements that ensure effective energy management and significant savings in this area. Ecological houses therefore contain solar collectors, heat pumps and ventilation centers, allowing for lower heat consumption and high heat recovery. When planning to build a house, it is worth thinking thoroughly about how ecologically advanced real estate we want to own. We can choose between energy-saving and passive houses. Depending on the type of building, we can count on a different level of credit subsidy.

Energy saving

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The energy-efficient house design includes glazing that allows the extraction of heat from solar radiation. They should be on the south side. There, according to the design, there is also a dining room and living room – that is, the rooms we use most often. In turn, less important places – such as a garage, utility room or wardrobe, can be placed on the north wall and only small glazing is allowed here. Special thermal insulation is also important. The thickness of the outer wall layer should be at least 20 cm, and roof insulation as much as 30 cm. Such a house, under the NFEPWM program, may receive up to USD 30,000 in funding. In turn, an energy-saving apartment, purchased from a developer, has a chance of an additional payment of up to USD 11,000.

The passive house is even more ecologically advanced. While in the case of an energy-efficient house there is no obligation of special building on a rectangular projection, it is a necessary condition for a passive house. The house should also have one or a gable roof. Characteristic glazing for an energy-efficient house, in the case of a passive house, occurs only on the southern wall, with the northern wall completely closed. The insulation layer should also be much thicker – 30 cm for walls and floor, and 40 cm for the roof. We will get an additional USD 50,000 for such a house. In turn, development flats with low energy demand, in passive housing, guarantee co-financing up to USD 16,000.


Collectors unchanged

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The program of the National Fund for Environmental Protection and Water Management has so far included a subsidy for the purchase and installation of solar collectors. Many people took advantage of it, thus increasing the energy efficiency of their homes. By 2014, other owners of single-family homes and housing communities will also have a chance to do so. The co-financing covers 45% of the investment value (purchase and installation of solar collectors), however there are some restrictions here. The cost of the undertaking may not exceed USD 2,500 / m2 of total collector area. As in the case of a subsidy for the construction of an energy-efficient house, here we also have to take advantage of the credit offer of one of the banks cooperating with Funds. Unfortunately, if we finance the purchase of collectors with our own money, we cannot count on the return of part of the investment.

To obtain additional payment for solar collectors, in addition to standard attachments to the loan application, such as a document confirming the amount of income or type of employment, we must also present a grant application, installation design and legal title to the property on which the assembly will be carried out. In parallel with the loan agreement, we must also sign a contract with the company that will set up the installation for us. Only after the works are completed do we submit to the lender documents confirming the compliance of the installation with the Fund’s requirements. Then the bank applies to the NFEPWM for a subsidy, and after receiving it, transfers money to our account, thus partially eliminating the amount of the loan taken.