Today “Mortgage” was presented HSBC Green” that is aimed at the purchase of a certified new home and that offers a great benefit in the interest rate from 9.25% to 9.75% depending not on the client’s profile, but on the term purchased and, above all, that the home has with high sustainability standards.
In a conference, Enrique Margain Pitman, Executive Director of Personal Loans at HSBC, specified that the lowest rate will be applied for a term of five years; and the rate of 9.75% for terms of 10, 15, 20 and 25 years.
He estimated that there will be a universe of between 2 thousand and 3 thousand applicants for the next 12 months who will also have other additional benefits to the preferential annual fixed interest rate, such as no opening commission, no appraisal cost or penalties for advance payment and on the other hand, with financing of up to 97% of the value of the home that will have life and damage insurance with preferential cost as well.
The financing covers all homes from $450 thousand pesos onwards and includes a CAT of 11%
The requirements to access the new HSBC Green Mortgage are basically new homes that must have Leed (Gold & Platinum) or Edge (Advance & Zero Carbon) environmental certificates.
The manager specified that housing is what generates 37% of carbon emissions and consumes 36% of the energy produced, which is why it seeks to encourage sustainability in the industry also with the use of sustainable materials and promoting the construction of this modality on the part of the developers, whom he recognized, it would help them to have financing that promotes sustainable construction.
In turn, he anticipated that a second stage is contemplated where the remodeling credit also encourages the conversion of used housing, of which there is a residential park of 35 million homes.
“The bet is to develop an ecosystem where incentives are generated for the entire housing value chain, from urbanization, construction, financing and end up benefiting the final consumer, this through the acquisition of housing that has lower financial costs as well as all services,” said Margain.
2023-09-28 00:53:51
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