📌 30-Second Summary

Green mortgages (hipotecas verdes) offer better rates for energy-efficient properties:

Benefits:

• 0.10-0.25% rate discount
• Higher LTV (up to 85-90%)
• Lower fees

Requirements:

• Energy certificate A or B rating
• OR commitment to improve by 30%+ within 2 years

Savings example:

• €200,000 mortgage, 30 years
• 0.20% discount = €8,000-10,000 saved

Perfect for: New efficient homes, renovated properties, or if you plan energy improvements.