2009 – ongoing
Homeowners of apartments and homeowners associations (HOAs) in multi-apartment buildings for energy efficiency upgrades, homeowners of single houses for energy efficiency renovation
Revolving Fund of US$900.000. Conditions and terms for loans depend on municipal contribution (subsidies), homeowners’ creditworthiness etc.
Revolving fund was established in 2009 and is used through five different financial models: direct loans to the homeowners; with municipal subsidies; for HOAs; to specialised companies (construction company); through microfinance institutions. Loans are intended to serve homeowners in multi-apartment buildings and can be used for replacement of windows, doors, façade insulation, roofs and floors.
Loans are available for HOAs, management facility companies and for pensioners. In cooperation with municipalities, loans can be adjusted according to the needs and creditworthiness of homeowners and according the municipal subsidies.
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