Unicaja Banco improves the Oxygen Mortgage*, aimed at financing the acquisition of energetically efficient housing. In this way, the bank supports environmentally conscious customers by offering a responsible product that facilitates access to financing and promotes energy savings.
This mortgage product is intended to finance the acquisition, self-development or rehabilitation of efficient housing, with energy A o B efficiency certificate, and it is available at both fixed and variable rates.
The Oxygen Mortgage, as part of Unicaja Banco's broad and attractive mortgage portfolio, covers a growing need in the Spanish financial market, supporting the improvement of housing efficiency.
The purchase of an efficient home means significant financial savings for buyers, which will translate into greater comfort and a reduction in their energy bills and, at the same time, a reduction in the carbon footprint and emissions of residential buildings, which are responsible for 40% of final energy consumption in Europe.
This mortgage is part of the broad offering of responsible products that Unicaja Banco markets with specific conditions linked to sustainability, thus materializing its firm commitment to the environment and ecology.
These sustainable products also include personal loans aimed at financing a more sustainable mobility, reducing emissions produced by personal travel. Also noteworthy is the offering of preferential financing for the installation of energy self-consumption or renovation, and savings-investment products classified as green, committed to sustainability, placing the environment at the center.
The financial institution also conveys this commitment to the environment and sustainability to its customers, promoting the care of nature through events and collaborations, as well as the renaturalization of different spaces.
In short, Unicaja Banco is committed to promoting continuous improvement in environmental management; collaborating with society in all matters relating to environmental protection and improving energy efficiency; contributing to preserving or restoring biodiversity; developing its activity by promoting the prevention, proper management and control of polluting emissions, as well as an efficient use of natural and energy resources; promoting the reuse and recycling of materials, in order to contribute to the transition towards a circular economy, or to acquire energy-efficient products and services, encouraging the use of cleaner technologies.
Energy renovation of buildings
In the area of housing, Unicaja Banco is also committed to the renovation of buildings with the aim of reducing carbon dioxide emissions and helping families by considerably reducing their energy costs. To this end, it facilitates the carrying out of these renovations through an all-inclusive service, the main focus of which is subsidies from the Next Generation European funds.
Specifically, the financial institution, with the collaboration of leading renovation agents nationwide, offers homeowners’ associations a turnkey service to renovate their buildings and homes and thus optimize energy consumption, including from the initial feasibility analysis, the calculation of energy savings and the implementation of the project, to the management of subsidies and the execution and financing of the works.
*Granting of our mortgages is subject to the institution's risk criteria. Mortgage aimed at the acquisition, self-development or rehabilitation of homes with A or B energy efficiency certificate, both in terms of consumption and emissions, for individuals residing in Spain and with income and assets only in euros.