{"id":18001,"date":"2016-03-04T14:13:14","date_gmt":"2016-03-04T14:13:14","guid":{"rendered":"http:\/\/stage.wpresidence.net\/?p=18001"},"modified":"2016-03-04T14:13:14","modified_gmt":"2016-03-04T14:13:14","slug":"que-es-una-hipoteca-verde-y-como-conseguirla","status":"publish","type":"post","link":"https:\/\/alquila-piso.es\/en\/que-es-una-hipoteca-verde-y-como-conseguirla\/","title":{"rendered":"What is a green mortgage and how to get one"},"content":{"rendered":"<p>In general, the benefits of purchasing an environmentally sustainable home are well known: saving money and energy, less environmental impact, etc. What not everyone knows, however, is that there are several banks that will lower the interest rate if you finance the purchase with a<strong>&nbsp;green mortgage<\/strong>. The bank comparator HelpMyCash explains&nbsp;<strong>what exactly this product consists of<\/strong>The following are some of the entities that offer it and what you have to do to get it.<\/p>\n\n\n\n<p><strong>For the purchase and renovation of sustainable housing<\/strong><\/p>\n\n\n\n<p>A green mortgage or&nbsp;<em>eco<\/em>&nbsp;is basically a loan that allows&nbsp;<strong>financing the purchase or renovation of sustainable housing with more favourable conditions<\/strong>. As a general rule, the interest rate is lower than that charged by the bank for conventional real estate purchases, although in some cases other advantages are also offered (e.g. higher financing).<\/p>\n\n\n\n<p>At present, however, few banks are marketing a&nbsp;<strong>green mortgage cheaper than conventional mortgage<\/strong>. According to HelpMyCash, the only ones that do it openly are Hipotecas.com, Banco Santander, Cajamar, Triodos Bank and Banco Mediolanum. In any case, they remind us that it is possible to negotiate with any entity to try to get these improved conditions.<\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-gallery columns-3 is-cropped wp-block-gallery-1 is-layout-flex wp-block-gallery-is-layout-flex\"><ul class=\"blocks-gallery-grid\"><li class=\"blocks-gallery-item\"><figure><a href=\"https:\/\/esp.wpresidence.net\/wp-content\/uploads\/2021\/06\/designer5.jpeg\"><img fetchpriority=\"high\" decoding=\"async\" width=\"701\" height=\"1024\" src=\"https:\/\/esp.wpresidence.net\/wp-content\/uploads\/2021\/06\/designer5-701x1024.jpeg\" alt=\"\" data-id=\"18898\" data-full-url=\"https:\/\/esp.wpresidence.net\/wp-content\/uploads\/2021\/06\/designer5.jpeg\" data-link=\"https:\/\/esp.wpresidence.net\/propiedades\/atico-en-venta-en-calle-del-principe-de-vergara\/designer5\/\" class=\"wp-image-18898\" srcset=\"https:\/\/alquila-piso.es\/wp-content\/uploads\/2021\/06\/designer5-701x1024.jpeg 701w, https:\/\/alquila-piso.es\/wp-content\/uploads\/2021\/06\/designer5-205x300.jpeg 205w, https:\/\/alquila-piso.es\/wp-content\/uploads\/2021\/06\/designer5-768x1123.jpeg 768w, https:\/\/alquila-piso.es\/wp-content\/uploads\/2021\/06\/designer5-1051x1536.jpeg 1051w, https:\/\/alquila-piso.es\/wp-content\/uploads\/2021\/06\/designer5.jpeg 1200w\" sizes=\"(max-width: 701px) 100vw, 701px\" \/><\/a><\/figure><\/li><li class=\"blocks-gallery-item\"><figure><a href=\"https:\/\/esp.wpresidence.net\/wp-content\/uploads\/2021\/06\/book_wide3.jpg\"><img decoding=\"async\" width=\"1024\" height=\"480\" src=\"https:\/\/esp.wpresidence.net\/wp-content\/uploads\/2021\/06\/book_wide3-1024x480.jpg\" alt=\"\" data-id=\"18897\" data-full-url=\"https:\/\/esp.wpresidence.net\/wp-content\/uploads\/2021\/06\/book_wide3.jpg\" data-link=\"https:\/\/esp.wpresidence.net\/propiedades\/atico-en-venta-en-calle-del-principe-de-vergara\/book_wide3\/\" class=\"wp-image-18897\" srcset=\"https:\/\/alquila-piso.es\/wp-content\/uploads\/2021\/06\/book_wide3-1024x480.jpg 1024w, https:\/\/alquila-piso.es\/wp-content\/uploads\/2021\/06\/book_wide3-300x141.jpg 300w, https:\/\/alquila-piso.es\/wp-content\/uploads\/2021\/06\/book_wide3-768x360.jpg 768w, https:\/\/alquila-piso.es\/wp-content\/uploads\/2021\/06\/book_wide3-1536x720.jpg 1536w, https:\/\/alquila-piso.es\/wp-content\/uploads\/2021\/06\/book_wide3.jpg 1920w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure><\/li><li class=\"blocks-gallery-item\"><figure><a href=\"https:\/\/esp.wpresidence.net\/wp-content\/uploads\/2021\/06\/book_wide_copy.jpg\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/esp.wpresidence.net\/wp-content\/uploads\/2021\/06\/book_wide_copy-1024x576.jpg\" alt=\"\" data-id=\"18896\" data-full-url=\"https:\/\/esp.wpresidence.net\/wp-content\/uploads\/2021\/06\/book_wide_copy.jpg\" data-link=\"https:\/\/esp.wpresidence.net\/propiedades\/atico-en-venta-en-calle-del-principe-de-vergara\/book_wide_copy\/\" class=\"wp-image-18896\" srcset=\"https:\/\/alquila-piso.es\/wp-content\/uploads\/2021\/06\/book_wide_copy-1024x576.jpg 1024w, https:\/\/alquila-piso.es\/wp-content\/uploads\/2021\/06\/book_wide_copy-300x169.jpg 300w, https:\/\/alquila-piso.es\/wp-content\/uploads\/2021\/06\/book_wide_copy-768x432.jpg 768w, https:\/\/alquila-piso.es\/wp-content\/uploads\/2021\/06\/book_wide_copy-1536x864.jpg 1536w, https:\/\/alquila-piso.es\/wp-content\/uploads\/2021\/06\/book_wide_copy-255x143.jpg 255w, https:\/\/alquila-piso.es\/wp-content\/uploads\/2021\/06\/book_wide_copy-1110x623.jpg 1110w, https:\/\/alquila-piso.es\/wp-content\/uploads\/2021\/06\/book_wide_copy.jpg 1920w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure><\/li><li class=\"blocks-gallery-item\"><figure><a href=\"https:\/\/esp.wpresidence.net\/wp-content\/uploads\/2021\/06\/back4-1.jpg\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/esp.wpresidence.net\/wp-content\/uploads\/2021\/06\/back4-1-1024x683.jpg\" alt=\"\" data-id=\"18895\" data-full-url=\"https:\/\/esp.wpresidence.net\/wp-content\/uploads\/2021\/06\/back4-1.jpg\" data-link=\"https:\/\/esp.wpresidence.net\/propiedades\/atico-en-venta-en-calle-del-principe-de-vergara\/back4-2\/\" class=\"wp-image-18895\" srcset=\"https:\/\/alquila-piso.es\/wp-content\/uploads\/2021\/06\/back4-1-1024x683.jpg 1024w, https:\/\/alquila-piso.es\/wp-content\/uploads\/2021\/06\/back4-1-300x200.jpg 300w, https:\/\/alquila-piso.es\/wp-content\/uploads\/2021\/06\/back4-1-768x512.jpg 768w, https:\/\/alquila-piso.es\/wp-content\/uploads\/2021\/06\/back4-1-1536x1024.jpg 1536w, https:\/\/alquila-piso.es\/wp-content\/uploads\/2021\/06\/back4-1-2048x1366.jpg 2048w, https:\/\/alquila-piso.es\/wp-content\/uploads\/2021\/06\/back4-1-105x70.jpg 105w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure><\/li><\/ul><\/figure>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>The energy rating certificate must be presented<\/strong><\/p>\n\n\n\n<p>Of course, it is not enough for the bank granting the green mortgage that we tell them that we will buy a green home: we have to prove it to them. To do this,&nbsp;<strong>it will be necessary to present the energy rating certificate of the building.<\/strong>which should be A+, A or B depending on the requirements of the institution.<\/p>\n\n\n\n<p>Also,&nbsp;<strong>the usual solvency requirements must be met<\/strong>Otherwise, the bank will not approve the transaction. In particular, you must have sufficient savings (usually 30% of the value of the house), a good salary, stable employment and a clean credit history.<\/p>\n\n\n\n<p><strong>They are not always better than conventional ones<\/strong><\/p>\n\n\n\n<p>The comparator HelpMyCash warns, however, that green mortgages do not always have better conditions than conventional ones. Despite their lower interest rates, there are banks that market&nbsp;<strong>loans at even more attractive rates for the purchase of non-green homes<\/strong>at least on paper.<\/p>\n\n\n\n<p>Therefore, the ideal is to&nbsp;<strong>approaching various entities<\/strong>Both those that provide green mortgages and those that do not,&nbsp;<strong>and ask about their financing conditions<\/strong>. This makes it much easier to compare the different offers and choose the one that is the best value for money. In doing so, however, it is important to look not only at the interest rate, but also at other important aspects such as the products to get the maximum bonus or the fees.<\/p>","protected":false},"excerpt":{"rendered":"<p>En general, los beneficios de adquirir una vivienda ecol\u00f3gicamente sostenible son de sobra conocidos: ahorro de dinero y energ\u00eda, menos impacto medioambiental, etc. Lo que no todo el mundo sabe, sin embargo, es que hay varios bancos que nos rebajar\u00e1n el tipo de inter\u00e9s si financiamos la compra con una&nbsp;hipoteca verde. Desde el comparador bancario [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":18815,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[22,87,88,89,90],"tags":[91],"class_list":["post-18001","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-alquilar-piso","category-bienes-raices","category-compra-de-propiedades","category-localizacion-de-alquileres","category-precio-de-alquileres","tag-immobiliaria"],"_links":{"self":[{"href":"https:\/\/alquila-piso.es\/en\/wp-json\/wp\/v2\/posts\/18001","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/alquila-piso.es\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/alquila-piso.es\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/alquila-piso.es\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/alquila-piso.es\/en\/wp-json\/wp\/v2\/comments?post=18001"}],"version-history":[{"count":0,"href":"https:\/\/alquila-piso.es\/en\/wp-json\/wp\/v2\/posts\/18001\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/alquila-piso.es\/en\/wp-json\/wp\/v2\/media\/18815"}],"wp:attachment":[{"href":"https:\/\/alquila-piso.es\/en\/wp-json\/wp\/v2\/media?parent=18001"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/alquila-piso.es\/en\/wp-json\/wp\/v2\/categories?post=18001"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/alquila-piso.es\/en\/wp-json\/wp\/v2\/tags?post=18001"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}