Green home purchase mortgage
Buy a home in energy class A1–A4 or B with a mortgage that waives the loan application assessment fee.
Esta oportunidade está atualmente disponível em inglês.
The Mutuo Casa Green offer finances the purchase of an energy-efficient residential home. The fixed-rate option lends up to 80% of the bank-appraised value of the mortgaged property, over 5–30 years. You repay the borrowed money and interest in fixed instalments; the interest rate stays fixed throughout the contract.
The green application assessment fee is €0. An appraisal of a residential-use property costs €300 including VAT; homes under construction use a separate appraisal fee schedule; annual management costs €49 and collecting each instalment costs €3.50. You also pay applicable insurance, taxes and notary costs.
Funds are immediately available when payment takes place at signing. The bank may instead hold them with the notary until checks confirm that no registrations, privileges or other recorded claims harm the mortgage security and that the other contractual release conditions, including the declared property ownership and availability, are met. A Credem current account is not required to receive the money or pay instalments.
You may repay all or part of the loan early without penalties or other charges, with a reduction of interest and costs for the remaining contract period. Partial repayment reduces subsequent instalments while keeping their originally agreed number.
Late payments attract default interest. Serious failure to meet the contract can lead to termination and sale of the mortgaged home to repay the debt.
Eligibility
- You must be a private consumer buying a residential property. The purchased home must also be the mortgage security, be located in Italy and have energy class A1, A2, A3, A4 or B.
- Supply a valid Attestato di Prestazione Energetica (APE), the certificate showing the home’s energy class, during assessment and before the bank delivers its binding offer with the European standardised information sheet. It must confirm class B or better and comply with the Italian rules cited in the terms.
- Credem must approve your creditworthiness. Provide the requested information and documents within 30 days of the bank’s request; credit cannot be granted without them.
- Insure the mortgaged building for the whole loan term against the required fire, explosion, lightning and related damage, based on rebuilding cost excluding land and urbanisation charges. You may choose an insurer registered with IVASS and authorised for the required cover. An external policy must be pledged to the bank. Credem may require extra cover for special property risks; a property originating from a donation requires cover against claims by heirs entitled to restitution.
- The online request route accepts loan amounts from €50,000 and property values from €62,500, with a maximum loan of 80% of property value and a term of 5–30 years.
How to apply
- Estado
- Aberto continuamente
- Condições do período de candidaturas
- Subject to Credem credit approval.
Use Credem’s mortgage simulator, select purchase, enter the property value, loan amount and term, and submit the financing request form. The Home Center team contacts you for a consultation, after which you can decide to proceed. Both existing and prospective customers can use this route. Provide the valid APE during assessment before receiving the binding offer.