Latest / RENEWA Sanierungsnavigator / "BRUBEG": Kein Kredit mehr für unsanierte Häuser?
Transcript
- Oliver: you To finance or refinance will over of I know that sounds harsh, especially when it our own home, where we years, but we actually to Tacheles. This not about heating debates in Berlin. There is a topic that controls the value of a family home or more family homes, And that is the Brubach law. The acronym stands for Banking, Directive, Implementation and Bureaucracy Relief Act. So really bit complicated. This has now by the German Bundestag and serves the implementation of an EU directive. This does us as owners, but it has influence on the banks and how they can In the last few least lot with bankers and credit decision makers and the reality behind closed doors is that the banks start to radially sort out. Why? The banks will by the BRU-BEC this year to houses with poor energy class, i.e. everything towards F or G, as a real risk in their books. For the bank, our city today that it has to more of its own money to the loan. And that means the banks lose interest in these houses. The announcement is then not clear. Over course of this year, it houses with poor energy efficiency In no more or just to horror conditions. And the problem for us as owners, even if you don't a new loan, if the house is be sold at then the buyer has finance And if the bank tells the buyer, for this house, the class G, we do not a loan, then you will not find a buyer. The house then the so-called stranded asset, i.e. a property that no longer accepts loses massive value The market value The smelter is not because of the situation, but because the financing is But, no panic, they are not helpless. We are house owners to make their property bankable again. And it's about the whole house, it's about a strategic renovation plan in hand. A document that you on the bank or the potential buyer and show, we have a plan how we this house out of the efficiency trap. Only with such a plan you can the value of home today. So shouldn't wait until the letter from the bank comes or the interest for the connection financing explodes because of bad energy class. You should check And if you want how to your bank, your house to the Brubelk and how to a suitable rescue plan so that your home remains in value, then just talk free free first-time advisor at Reneva. I'll in the show notes. And if you think, okay, my energy bill from Anno Dazumal shows an energy efficiency class D or E, I'm fine with that, I'm not so sure. According to new guidelines and new standards, these much worse. You should look at because you definitely to provide new energy bill for That will also a fact. So we'll you out there. Please let us if you have or if we should look it. That was it for today. Thank you for listening. you