Did you know that with the energy certificate of your living place can you save up to 5,786 euros? Since the new electricity tariff came into force, the interest in reducing unnecessary costs has been the order of the day. It is estimated that the annual savings in households that have contracted a power of between 10 -15kW will be 197 euros, of course, as long as they adapt to the cheapest times of this new rate. However, before reaching this step and buying a property, it is possible to lower future electricity bills with the energy certificate of the house.
From A to G, all the letters to save
The energy certificate or CEE It is a document that allows knowing the energy characteristics of a property. Since 2013 it is mandatory to sell or rent any property and they take into account everything from the home’s air conditioning systems to the type of windows it has.
- Certification A: is the most efficient category. The energy expenditure with this letter is 55% lower than the average.
- Certification B: energy expenditure is between 55% and 75%.
- Certificate C: We are still talking about efficient buildings, although the cost is between 75% and 90%.
- Certificate D: between 90% and 100% of energy cost.
- Certificate E: it is considered inefficient. Energy expenditure is between 100% and 110%.
- Certificate F: poor energy efficiency. Consumption between 110% and 125%.
- Certificate G: the lowest in the ranking. Homes with this certificate are considered not efficient, since consumption is higher than 125%.
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How to cut spending by up to 30% with your energy certificate?
According to the General Council of Technical Architecture in Spain, just by uploading a letter in the energy certificate of a home it is possible to save up to 30% in our consumption. As the agency points out, only 50% of citizens know the functionality of this document, which acts almost as a hidden mortgage.
When buying a home, in the event that it is valued positively on its energy certificate, we can opt for a green mortgage. “This product allows us to take advantage of bonuses that do not depend directly on our income, but on the characteristics of the property,” says Simone Colombelli, director of Mortgages at iAhorro.
For example, the Variable Triodos Mortgage favors loans for sustainable homes with a TIN from Euribor + 1.05% for the most efficient (A +) to a TIN of Euribor plus 1.29% for properties with the worst energy certificate (G) .
In this way, a mortgage loan of 150,000 euros for 30 years with a home that has an A + energy certificate will have a final cost with interest of 163,225.87 euros, adding the last Euribor relative to the month of May and a TIN of 1.05% without taking into account other links.
For its part, the same mortgage for a property with a G certificate will amount to 169,012.76 euros. The difference between one and the other is 5,786 euros.
Another mortgage that rewards energy efficiency is Banco Mediolanum’s Freedom Green Mortgage. In this case, the entity offers this alternative only to homes with a certificate A or higher with a bonus of Euribor + 0.99% meeting conditions.
Using the same case of an amount of 150,000 euros of capital loaned over 30 years, the loan with interest has a total cost of 161,799.31 euros.
Beyond the cost of the installments themselves, hiring a green mortgage allows you to get rid of other expenses related to the daily life of the house that help to face the mortgage loan. This is another reason why, more and more, banks are promoting this product among their customers.
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