RTSMARTER Finance for Families is a Horizon 2020 project to implement ambitious yet practical Green Homes & Green Mortgage programs in 12 European countries that includes the collaboration and participation of 17 expert green building, green energy, research and other organisations.

The SMARTER project – Smart Financing Solutions for Your Family, creates programs for Green Homes and Real Estate Loans in Europe. A consortium of 17 expert organisations came together to launch Green Housing and Real Estate Loans programs – changing know-how and replicating a successful model implemented by the Romania Green Building Council. The project benefits from substantial efforts to certify Green Housing and other initiatives launched by the consortium in many of the partner countries.

The Smarter program integrates these results into a program with banking partners to deliver innovative green financing products.

The innovative approach of the SMARTER project places a strong emphasis on the motivations of all parties involved, with a particular focus on the end consumer or families, who must ultimately benefit from the following conditions or renovations of a home that adheres to an ambitious and credible sustainability standard. 

In addition to improving the lives of citizens, the program addresses the needs of residential project developers, financial institutions offering residential mortgages, institutional investors and companies providing services, products, materials, technologies and other solutions that contribute to the construction and proper functioning of the greenest. and high-performance residential projects.

Representatives of national and local governments and associations promoting the environment, energy efficiency and / or better housing are invited to learn more about how this program facilitates the improvement of building standards. This is relevant for both the participating countries and those interested in learning about bringing this initiative to the internal market.

The SMARTER project is strongly supported by the European Commission through the Horizon 2020 Research Program of the Executive Agency for Small and Medium-sized Enterprises (EASME).

International Smarter: The SMARTER initiative was created through the collaboration of 17 expert green building, green energy, research and other organisations across the world.

Our partners RoGBC, Irish GBC, CZGBC, GBC Italia, GBC Brazil, Colombia GBC, Morocco GBC, and Indonesia GBC will use their existing certification as the qualifying mechanism for the green mortgage product in their countries. Other partners PLGBC, SKGBC, Green Council BiH, UEUA have recently developed their own Green Home & Green Mortgage certification and product in their countries. Partners such as CRES, People in Need, EnEffect, EEC Georgia are developing programmes through green loans for renovation with a focus on overcoming energy poverty.

Copenhagen Centre on Energy Efficiency (DTU) and Universite Libre de Brussels act as expert advisors to the project. More technical expertise from SMEs TURKECO, ENOVA and CRISCON have applied their experience and knowledge for research findings and reporting to develop a world-class GHGM programme that aligns with EU CEN standards and EU taxonomy for sustainable finance.