presentazione di powerpoint · 2019-06-11 · ferestre: tamplarie cu cel putin 3 camere din lemn,...
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wikicommons
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305,817,238
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wikicommons
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wikicommons
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green building finance in action “Climate risks are a source of financial risk and it therefore falls squarely within the mandates of central banks and supervisors to ensure the financial system is resilient to these risks” “Take the necessary measures to green the financial system”
A call to action: Climate risk as a source of Financial Risk Network for Greening the Financial System April 2019
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EEFIG.eu
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Amber Gardens by alesonor - Tunari
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responsible borrowing
versus
poor construction
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there is one best time to invest in
building a home correctly
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long term benefits immediate benefits
monthly investment monthly benefits
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The Mortgage
long term benefits immediate benefits
monthly investment monthly benefits
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mortgage payment
energy costs
health costs
repair costs
Total cost of ownership
+
+
+
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so why not so many green homes and green mortgages?
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? ?
? ?
?
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&
the concept
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Energy Efficiency & Green Energy Location - Community Sustainable & Healthy Materials Indoor Air Quality / Wellness Bio-Climatic Design Construction Waste Mitigation / introduction o Circular Economy principles Construction Site & Property Management Other Green Design Principles
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Toolkit for Residential Investors and Developers
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The purpose of the Bank is to lend money responsibly
STANDARD OFFER
GREEN MORTGAGE OFFER
First 7 years Variable (> 7 y) First 7 years Variable (> 7 y)
Interest rate formula
ROBOR 3M+ 3.25%
ROBOR3M+ 2.5%
Index Rate 2.10% 2.10% Analysis Fee 1,600 Ron Interest rate 5.50% 5.35% 4.75% 4.60%
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The purpose of the Bank is to lend money responsibly
EPC “B”
rated apartment** EPC “A”
rated apartment** Green Homes
qualified apartment
Net savings with Green HOMES*
Sale price of 70 sqm apartment (€) 79,738 81,731 85,000
Loan amount (€) 67,777 69,471 72,250
Monthly mortgage payment (€) 417 427 412
Cost of energy/apartment/month (€) 101 65 33 Total cost of monthly
ownership (€) 518 492 445
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Alpha Bank Romania & Alpha Green
Ana Maria Ciortan Director Adjunct, Directia Credite Housing
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Education Environment Society Sport TECHNOLOGY ALPHA BANK
Alpha Bank sustine proiectele cu beneficii vizibile pentru societate, in linie cu sloganul bancii
“evoluam impreuna” ("together we evolve“).
Corporate Social Responsibility
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Oferta Alpha Green
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Alpha Bank Romania – membru RoGBC incepand cu 2018
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Creditul Alpha Housing - Oferta Alpha Green
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Creditul Alpha Housing - Oferta Alpha Green
Principalele caracteristici si beneficii: Credit destinat achizitiei / constructiei unei locuinte certificate/ ce va fi
certificata verde de RoGBC; prin Alpha Green se poate finanta si renovarea locuintelor vechi cu
materiale green; Oferta de finantare atat in lei cat si in eur; Dobanda aplicata variabila sau mixta (fixa in primii 5 ani si variabila
ulterior); Costuri avantajoase fata de oferta de creditare standard (marja creditului
si comision de analiza dosar reduse)
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Alpha Green pentru renovarea locuintei
Credit ipotecar destinat in scopul renovarii/ consolidarii locuintei
Utilizare in trageri multiple (minim 2 transe)
Stabilirea valorii creditului se face in baza devizului de lucrari
Minim 60% “materiale green” utilizate in renovare pentru a beneficia de oferta speciala de creditare
Finantare de pana la 100% din valoarea devizului
Garantia creditului poate fi doar locuinta ce va fi renovata/ consolidata
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Alpha Green pentru renovarea locuintei
Materiale de izolatie: vata bazaltica, hempcrete, perlita, materiale organic naturale precum canepa, argila, denim reciclat, lana, stuf, pluta, celuloza, lemn certificat FSC; Ferestre: tamplarie cu cel putin 3 camere din lemn, aluminiu sau PVC reciclat fara plumb; Vopsea, grund, adezivi: continut redus sau zero de compusi organici volatili toxici (max 10g/l); Gresie, faianta: produse cu continut de materiale reciclate; Centrale termice: condensatie; Lacuri pentru pardoseala din lemn cu continut redus de compusi organici volatili; Obiecte sanitare: WC dual flush (3/6l per flush), robineti cu debit redus 5l/min; Sisteme de irigatii prin picurare; Prize pentru incarcarea masinilor electrice.
Lista materiale eligibile (amenajare / reabilitare):
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Multumesc! Thank you!
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• 25 projects totaling over 6.500 apartments or villas certified or in process (pre-certified)
• Cluj-Napoca, Iasi, Bucharest, Brasov
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Amber Gardens by
2014-2015
first luxury green building complex
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One Herăstrău Park Residence Residence by
106 apartments
construction
waste reduction
operational waste
separation
occupant educational
program
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40 units
green façade
& terraces
complete LED illumination
modular
apartments
Central District
by
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Aviatiei Park
by
379 units in two phases
Green terraces & roof
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next steps?
•early design involvement by residential project
developers, interest from financial institutions
•24 months – project implementation
•send questions, ideas, indication of interest to:
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