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Referenz: 20240506
Veröffentlichungsdatum: 2 Dezember 2024

Projektträger – zwischengeschaltetes Finanzinstitut

BANCO SANTANDER SA

Ort

Beschreibung

The operation will target 100% green mortgages by private individuals in Spain.

Additionality and Impact

By transferring the credit risk of the existing securitised consumer loans and leases portfolio, the proposed operation will reduce the risk-weighted assets and thus enable the Financial Intermediary, Santander Bank, to release regulatory capital. The capital relief provided will increase the Financial Intermediary's credit capacity and allow for the origination of new loans to Final Beneficiaries (private individuals) dedicated to support lending to highly energy efficient building construction. Such capital relief is not readily available from commercial financiers and therefore unlocks additional lending. 


Energy efficiency investments in buildings suffer from a number of market failures (negative CO2 externalities, asymmetric information, and split incentives). As a result of these market failures, investments in energy efficiency are at sub-optimal levels from a socio-economic perspective. The proposed operation is expected to contribute to the provision of high quality and energy efficient housing, and contributes to supporting the Spanish government's climate change mitigation ambitions by addressing the suboptimal levels of investments in highly energy efficient building construction and EE-eligible renovation.


The operation is expected to generate good economic and social benefits. The Financial Intermediary is deemed capable of implementing the project considering its overall experience on the Spanish market and previous EIB operations.


Some of the projects are expected to be located in less developed and transition cohesion regions.

Ziele

The aim is to enhance access to green mortgages for the final beneficiaries, in particular private individuals and homeowners' associations.

Sektor(en)

Vorgeschlagene EIB-Finanzierung (voraussichtlicher Betrag)

EUR 120 million

Gesamtkosten (voraussichtlicher Betrag)

EUR 266 million

Umweltaspekte

Final beneficiaries will be requested to comply with applicable national and EU legislation, as appropriate.

Auftragsvergabe

End beneficiaries will be individuals.

Projektstatus

Unterzeichnet - 27/11/2024

Milestone
In Prüfung
Genehmigt
Unterzeichnet
20 November 2024
27 November 2024

Haftungsausschluss

Bis Finanzierungen vom Verwaltungsrat genehmigt und anschließend unterzeichnet werden, befinden sich die Projekte in der Prüfungs- oder Verhandlungsphase. Die Angaben auf dieser Seite sind daher unverbindlich.
Sie dienen lediglich der Transparenz und stellen nicht die offizielle EIB-Politik dar (vgl. auch die erklärenden Anmerkungen).

Tags

Spanien Industrie