Are sustainable homes cheaper? The OCU reveals the mortgages offered by banks

The OCU has published a report on the different sustainable mortgages offered by banks for homes that meet the environmental requirements of the European Union. A reality that is experienced in most European societies, where the main cities are beginning to take measures to reduce polluting gases and thus improve the air in cities. Among the entire package of strict measures, the renewal of street furniture is one of the priorities in the next five years.

This is where OCU comes into play. The Organization of Consumers and Users It was founded in 1975 with a clear objective: safeguard the rights of Spaniards and eradicate the abuses of multinationals. To this end, the organization, together with the professionals it has on staff, publishes reports and studies for its followers on various topics of social interest, from the best private label beer, to tips for saving during your working life so that it doesn’t depend of the pension during retirement.

Almost 50 years have passed since the OCU began to take its first steps and thanks to its effort and perseverance it has earned the respect of the entire union, to the point of becoming a reliable source of information. And despite the social image that the OCU has, The entity is the first to launch campaigns to improve Primary Care in our country or to report factory defects of Citroën cars.

Against all odds, the OCU wanted to help its followers by explaining which are the best mortgages offered by banks for sustainable homes. And some entities have mortgage offers intended exclusively to finance the purchase of the most efficient homes, those that have A or B energy certificates.

These are the best mortgages for efficient homes, according to the OCU

It must be emphasized that the OCU has carried out an exhaustive study of the different offers from banking entities. Next, this is the list of the best mortgages with energy certificates A or B:

• Bankinter’s efficient home mortgage, for financing used or rehabilitated homes with energy rating A or B or new homes with rating A. It exempts from paying the opening commission, but the same conditions apply as the rest of its mortgages.
• The Green mortgage from Banco Santander applies an interest rate bonus of 0.10% on the nominal interest rate throughout the life of the loan for mortgages on homes rated A or B.
• BBVA has among its offers a Efficient house mortgagee, for homes with energy rating A or B, but it does not have any additional advantage over the conditions that apply to the rest of their mortgages.
• The ING efficient mortgage reduces the applicable interest by 0.10% if the house is new construction and has energy efficiency certificate A, or if it is second-hand and has certificate A or B.
• In Cajamar they market the SoySostenible Mortgage for habitual residences with an A or B certificate. The only advantage is that an interest rate of 1.90% applies in the first year, compared to the 2.25% that applies to online mortgages.