(Finance) – Although it recently came into force, the EU legislation on green houses is already starting to produce the first effects, so much so that, according to the survey commissioned by Facile.it from mUp Research and Bilendi, almost 2.5 million Italians they decided to put their home up for sale precisely to avoid possible futures renovation costs. But even those who want to buy a house today are often influenced by the new norm; according to the survey, there are almost 3 million Italians looking for a motionless who have changed their selection criteria by limiting the search only to efficient homes, not affected by the EU directive; a trend that is more widespread in the regions of North westwhere the percentage reaches 60%, compared to a national average of 50%.
And, instead, they are just under 800 thousand Italiansi who are specifically looking to buy a house with low performance energy, in the hope of saving on the purchase price; this dynamic is more present in the regions of Central Italy (18% compared to a national average of 13%).
In Italy, according to initial estimates, the directive EU on green homes it could potentially concern almost 5 million residential properties, with renovation costs varying between 20 and 55 thousand euros per family. Important figures which, naturally, scare many Italians: again according to the survey, among those who are aware of the law, 43% declare they are frightened by the possibility of having to face costs so important for renovate home and it is not surprising to see how many are thinking of selling their home rather than digging into their wallets.
It must be said, however, that not everyone is worried: 15% of the sample interviewed, for example, declared that they are confident that there will be some help state to cover the renovation costs, a particularly widespread belief among the residents of Center Italy where the percentage reaches almost 18%. There are approximately 2.9 million Italians who believe that the rule will never become operational in Italy; in this case, the percentage reaches its peak in the North West regions (10.5%), compared to a national average of 9%.
“A fundamental issue will be the tools that will be introduced to help families deal with these costs – explain the experts at Facile.it –. If we look at the opportunity present today on market, those who want to renovate their home can opt for a renovation loan, possibly associated with the purchase if made at the same time, or, if the amount is not too high, for a personal loan. This last solution, unlike the mutualdoes not require collateral and therefore may be an easier route to take for those who already have mortgage financing on their home.”
For those who want to finance renovation work today, better loan personal or a mutual? For small amounts, normally up to 40-50 thousand euros, the viable option is that of a personal loan, since credit institutions tend not to provide mortgages of this size. According to the simulations of Facile.it and Prestiti.it, assuming a loan of 35,000 euros to improve the energy efficiency of the home, to be repaid in 10 years, the best rates (TAN) available online start from 7.5%, with a monthly installment of 415 euros per month.
If, however, the amount is higher, for example greater than 60,000 euros, the appropriate option is that of mutual renovation: for a loan of 60,000 euros over 20 years, property value 200,000 euros, the best rates (TAN) available online start from 3.10%, with a monthly installment of 335 euros. Even lower values if the renovation allows you to reach energy class A or B so as to access the so-called green mortgages: in this case, the best rates (TAN) start from 2.70%.