energy-efficient-mortgage-label.org - EEM Label

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The Energy Efficient Mortgage Label (EEML) is a clear and transparent quality label for consumers, lenders and investors, aimed at identifying energy efficient mortgages (EEM) in lending institutions’ portfolios, which are intended to finance the purchase/construction and/or renovation of both residential (single family & multi-family) and commercial buildings, with a focus on building energy performance.

The EEML is intended to scale-up private market support for the NextGenerationEU vision, the EU Renovation Wave Strategy and the EU Green Deal, by acting as a catalyst for consumer demand and a driver of the qualitative upgrade of the energy profile of lending institutions’ portfolios and of enhanced asset quality.

The objectives of the EEML are to maximise portfolio regulatory alignment with the main legal and policy developments such as the EU Taxonomy, Mortgage Credit Directive (MCD), Capital Requirements Regulation (CRR) or equivalents at international level.

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