This building rehabilitation and houses to provide them more energy efficiency While not forgetting the advantages it provides to the environment, such as the environment, it is booming due to the savings it provides in electricity costs to consumers. decarbonization your environment.
Professionals who are part of this ecosystem came together at BİLGİ last Thursday to shape and put on the table the key points to improve the energy efficiency of our homes. Thus he joined Victor EchevarriaHead of Energy and Sustainability at BBVA in Spain; rodrigo lopezResponsible for Iberdrola’s Energy Recovery; Manual Girona, representative and president of AECVAL (Valencia Community Association of Technical Building Rehabilitation Companies); And Fernando Brotons3rd Vice-President of the Alicante College of Property Managers.
Speakers at the meeting led by BİLGİ Club Director Toni Cabot, importance of energy efficiency He points out that in homes and buildings in our cities, one-third of primary energy consumption comes from buildings. «80% of buildings in Spain have a rating of E or worse, which means they consume energy very inefficiently”, Víctor Echevarría assured. “We live more vertically in Spain than in other European Union countries, and rehabilitation actions today are less than in countries like Germany or France,” added BBVA’s head of Energy and Sustainability. In our country about 1% of buildings have been rehabilitated in neighboring European countries it is 2% every year. Some relevant data, admits Rodrigo López, show that “it is a complex process because it involves large investments but increase the value of the houseIn addition to getting », «a improvement of home comfort and greater durability of the building», as stated by Manuel Girona. Referring to the estate park, López said, “90% of the buildings that will exist in 2050 are already built, so move on existing park In order to achieve efficiency targets, European regulations on energy efficiency in buildings will also push us to remove from the market houses that we cannot rent or buy if their efficiency is low.
Single-family homes and owner communities
One of the aspects most affected by the speakers was the difference between their respective communities. vertical trunk and single family ones. it is in the first much more difficult because “problem educating building owners Convince them that it is necessary to invest, as each neighbor has a different social value and all that the process is more complex. For example, you don’t see much solar panels on building roofs because they are not bad, because they cast shadows, because among other factors there are clotheslines”, confirmed Fernando Brotons. Solution for houses that cannot be installed as Girona suggested, “Create energetic communities and that self-consumption can be created jointly ».
Whatever the type of home, experts agree on the importance of the message conveyed to the host communities. make them understand why investing in energy efficiency in their homes is an investment for the future. In the words of Echevarría, “The key is of course a communication effort, the opportunity that exists now needs to be very well explained because there may come a time when we will have to take these actions.” Brotons added «the message must be a thin rain Let it spread slowly until you get the message that will spark a spark in each of your citizens. In this regard, López stated that “solutions should be explained, all-in-one products offered, turnkey projects presented”. and force this process more easily». President in his own name AECVAL He evaluated very positively that financial institutions “entered the business”.because it is essential that all actors of home rehabilitation work “together”.
public investment
«Beyond benefiting the owners community, If we want to decarbonize the economy, we have to rehabilitate homes.. Echevarría noted that an important part of the whole framework is the subsidy. But the BBVA expert said, “Help is important, but it’s not worth it with just that.We need all actors to explain the process so that citizens can take advantage of the opportunity. At the same time, Echevarría noted that they were “pretentiously designed.” for example comprehensive rehabilitation, 80% subsidized the remaining 20% is deductible for tax purposes, meaning “if it is already profitable because of the cost saved, these subsidies make it even more profitable. It has started to be given and we believe that the slowness is due to the innovation of this kind of aid.” “We hope it will pick up momentum over the next few months and a relatively large amount of grants will be available.”
Girona, for its part, firmly supported what it describes as public investment. « a unique opportunity» and advocated the «cultural change of all professionals» who intervened in this wheel. «There must also be regulations requiring certain classifications of the house, but consistent with actual deadlines of society,” the professional asked.
For practical purposes, owners who will start a rehabilitation work to improve energy efficiency, a building can cost up to 18,800 eurosThis means no more than 80% of the financing of the total work to be done. “The resolution of the request for assistance was communicated recently and now We have two years to implement them.but we have decisions where it is effective they give them», Girona explained. «The amount of assistance will be awarded when the work is completed and all technical and administrative documents are submitted. Haven’t had time to have a finished project yet because First grants from 2022», added the president of AECVAL.
Brotons spoke of management, “whose role is essential and we need to help make the process as transparent as possible.” López is “Be very clear about integrated rehabilitation actions as half of the energy goes to heat and hot water, here’s what to do to do them all at once so as not to forget the decarbonisation of heat ».
Facilitating energy rehabilitation of property owners communities, a priority for BBVA
BBVA has designed the “Energy Efficiency Loan” for host communities to facilitate energy rehabilitation. In addition, they help finance investment projects aimed at energy savings and energy efficiency. It’s new and new as the establishment didn’t fund this type of investment until about 3 years ago.
However, aware of market demand and the barriers that homeowners associations face in accessing finance, BBVA decided to open the door and pave the way for homes to become more beautiful. more productive placesthus reducing energy costs.
According to Víctor Echevarría, head of Energy and Sustainability at BBVA Spain, there are many reasons why the asset is part of this ecosystem: «If you want to finance the energy transition, you need to finance the rehabilitation of buildings.. On the other hand, two-thirds of Spaniards live in a community of property owners, and finally, blackberry too low. All of this, in addition to supporting aid and raising greater public awareness, made us think we needed to be here, and that’s how BBVA created the credit for the communities.”
In this context, Echevarría highlights several related features. Firstly, business can finance 100% of the business and “this will prevent a leak”; and on the other hand, a grace period. That is, “if work is done and a subsidy is received, at that moment the grace period ends. With our loan, the fee does not change much during the subsidy grace period and the post-collection period, a scenario that greatly simplifies the process for owner communities. Besides, We do not charge startup or maintenance commissions», Echevarría explained.
Another distinctive feature of the BBVA “Energy Efficiency Loan” is that it has partial provisions. As the work progresses, the money is handed over to the interested party..
“We believe we are an important player because access to finance is very important and we support it with many people. Flexibility to adapt to market needs», pointed to the expert.
Among the fundable projects that BBVA focuses on, facades, terraces and roofsinstallations of photovoltaic solar panels, installation of personalized meters, replacement central boilersreplacement of lighting fixtures with LEDs, replacement of doors and windows, installation of charging points, improvement broadband and improving housing accessibility.
This BBVA initiative was applauded by other speakers, and “financial institutions are here to stay. This will mean that long-term loans will remain at a certain rate, with or without subsidies. very low wage and especially that we don’t have to guarantee loans ».