In 2025, those who choose to live in a sustainable house do not only do so to reduce emissions or consumption, but also to really save. Green mortgages – designed for the purchase or renovation of energy -efficient properties – have become one of the most interesting formulas of the real estate market.
In a year marked by still high interest rates, some Italian banks are rewarding those who invest in “green” with more favorable economic conditions, offering discounts on rates, wider covers and even incentives for energy certification.
It is not just an environmental question: it is a new way of financing the house that looks to the future of the Italian building heritage, increasingly oriented towards energy classes A and B, as the European Union also asks for.
Buy or renovate in class A: the concrete advantages of the Green Mutuals 2025
Those who choose a green mortgage can get lower interest rates than traditional mortgages. According to the surveys of Facile.it and Mutuionline, in 2025 the average advantage has been fluctuating between 0.10 and 0.20 percentage points.
In addition to the discounts on the rate, some banks grant funding up to 100% of the property value if this respects high energy standards, and offer free preliminary investigation or pre -amortization extended up to 40 years for the youngest.
Those who renovate, on the other hand, can combine the Green mortgage with the Ecobonus and Casa Bonus Casa 2025, thus obtaining a double advantage: the tax deduction of up to 50% and the reduced rate of the mortgage.
In short, the goal is clear: reward those who make their home more efficient and sustainable, combining economic savings and real estate value.
Requirements, documents and small tricks to obtain a green mortgage
To access the subsidized conditions, some precise requirements are needed. Banks require:
Each credit institution applies different criteria: this is why it is important to compare more offers and read the “general information” carefully before signing.
In the case of Intesa Sanpaolo, for example, the offer is open both to those who buy an already efficient property, and to those who carry out energy requalification interventions. In both cases, the economic advantage is granted only if the documentation demonstrates the real improvement of energy performance.
What really changes for those who buy a house in 2025
The houses in energy class A are now the most sought after on the market: they cost less in the bill, they keep the value better over time and are more attractive for those who intend to resell.
Mutuionline analysts estimate that the average price of “green” properties grew by 6% in a year, also thanks to the demand pulled by subsidized mortgages. It is a clear signal: sustainability has become an economic, as well as environmental criterion.
Green mortgages, in this sense, are not only a banking product, but a transformation lever for the entire real estate sector. And, even if the discount on the rate is not enormous, it can make a difference in the long run, especially considering the reduction of energy consumption.
Limits and caution to know before choosing a green mortgage
As always, behind the opportunities are also hidden some attention not to be underestimated:
Those who want to access a green mortgage should therefore plan in advance: to obtain quotes from different institutions, evaluate the tax impact and choose qualified professionals for energy certifications. According to the estimates of the Green Europe Mutual Observatory, by 2030 over 25% of the new mortgages paid in Europe will concern properties with low energy impact.
In Italy, growth is already visible: in 2024 the green mortgages represented 10% of the total, and in 2025 the share is increasing. The goal is twofold: to help citizens save and accelerate the ecological transition of the building heritage, one of the most energetic in Europe.
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