We have seen an emerging trend on the commercial loan market with individual banks offering better interest rates for real estate projects demonstrating sustainability ambitions and engagement to observe good environmental practices. Green clauses are also making their way into facilities agreements, and banks are privileging financing projects that aim to obtain a sustainability certification. Furthermore, banks are becoming increasingly reluctant to provide financing for real estate that uses coal for heating.

On the consumer loan market, banks offer better mortgaging conditions for financing “green” real estate, particularly for projects that are designed to achieve the A-class EPC (as described in "Energy Performance Certificates and Minimum Energy Standards").