{"id":18274,"date":"2023-09-08T06:04:59","date_gmt":"2023-09-08T06:04:59","guid":{"rendered":"https:\/\/gbccroatia.org\/odrzivo-financiranje-putem-energetski-ucinkovitih-kredita-nekretnine-s-visim-energetskim-razredom-podizu-vrijednost-same-nekretnine-te-smanjuju-kreditni-rizik-za-banke\/"},"modified":"2023-09-08T06:04:59","modified_gmt":"2023-09-08T06:04:59","slug":"odrzivo-financiranje-putem-energetski-ucinkovitih-kredita-nekretnine-s-visim-energetskim-razredom-podizu-vrijednost-same-nekretnine-te-smanjuju-kreditni-rizik-za-banke","status":"publish","type":"post","link":"https:\/\/gbccroatia.org\/en\/odrzivo-financiranje-putem-energetski-ucinkovitih-kredita-nekretnine-s-visim-energetskim-razredom-podizu-vrijednost-same-nekretnine-te-smanjuju-kreditni-rizik-za-banke\/","title":{"rendered":"Odr\u017eivo financiranje putem energetski u\u010dinkovitih kredita Nekretnine s vi\u0161im energetskim razredom podi\u017eu vrijednost same nekretnine te smanjuju kreditni rizik za banke"},"content":{"rendered":"<p>Potencijali i mogu\u0107nosti financiranja energetski u\u010dinkovitih zgrada, vrijednost takvih nekretnina na tr\u017ei\u0161tu te uloga energetskih certifikata u postupku procjene vrijednosti nekretnina bile su jedne od glavnih tema simpozija <strong>\u201cFINANCIRANJE ENERGETSKI U\u010cINKOVITIH NEKRETNINA\u201d,<\/strong> koji se odr\u017eao <strong>27. o\u017eujka 2018.<\/strong> godine u Zagrebu u <strong>hotelu Academia<\/strong>. Simpozij je odr\u017ean u sklopu <a href=\"http:\/\/energyefficientmortgages.eu\/\"><strong>EeMAP \u2013 Energy efficient Mortgages Action Plan<\/strong><\/a>projekta.<\/p>\n<p>EeMAP \u2013 Energy efficient Mortgages Action Plan (EeMAP) je EU projekt \u010diji je cilj kreiranje \u201eenergetski u\u010dinkovitih kredita\u201c namijenjenih poticanju i usmjeravanju privatnog kapitala u energetski u\u010dinkovite investicije.<\/p>\n<p>Pozdravne govore na otvaranju Simpozija odr\u017eali su predstavnici <strong>Hrvatskog savjeta za zelenu gradnju, Hrvatske gospodarske komore te Ministarstva graditeljstva i prostornoga ure\u0111enja<\/strong>. Uvodnu prezentaciju o projektu <u>EeMAP \u2013 Energy efficient Mortgages Action Plan<\/u> odr\u017eao je <strong>Dean Smolar<\/strong>, izvr\u0161ni direktor HSZG-a. Kroz projekt je utvr\u0111eno da krediti \u010dine oko tre\u0107inu ukupne imovine europskog bankarskog sektora &#8211; \u0161to je polovica BDP-a EU-a (7 bilijuna eura na kraju 2016.). Banke bi trebale odigrati vode\u0107u ulogu u ambicioznim klimatskim i energetskim ciljevima EU ako se korisnicima kredita omogu\u0107e povoljnije energetski u\u010dinkovite kreditne linije i proizvodi. Takav pristup bi polu\u010dio i izvrsne rezultate \u0161to se ti\u010de broja energetski u\u010dinkovitih nekretnina na tr\u017ei\u0161tu.<\/p>\n<p><strong>Andy Deacon<\/strong>, predstavnik Europan Secretariata Climate Alliance iz EU komisije odr\u017eao je prezentaciju na temu \u201eSmart Financing for Smart Buildings\u201c. U prezentaciji je govorio o va\u017enosti odr\u017eivog financiranja putem kreiranja financijskih modela za kreditiranje energetski u\u010dinkovitih nekretnina te je predstavio SWOT analizu takvog prijedloga.<\/p>\n<p>Tamara Perko, predsjednica Uprave Hrvatske banke za obnovu i razvitak,\u00a0 odr\u017eala je prezentaciju na temu: \u201eBudu\u0107nost kreditiranja i financiranja energetske u\u010dinkovitosti \u2013 ESIF krediti za energetsku u\u010dinkovitost\u201c u kojoj je istaknula prednosti financijskog instrumenta namijenjenog korisnicima koji su zadovoljili uvjete na natje\u010daju Energetska obnova i kori\u0161tenje obnovljivih izvora energije u zgradama javnog sektora kojeg je objavilo Ministarstvo graditeljstva i prostornog ure\u0111enja.<\/p>\n<p>\u201eOvaj financijski instrument osigurava kreditiranje po izuzetno niskim kamatnim stopama koje ovisno o stupnju razvijenosti podru\u010dja iznose 0,1; 0,25 ili 0,5 posto godi\u0161nje, a krediti se odobravaju bez uobi\u010dajenih bankarskih naknada\u201c naglasila je g\u0111a. Perko te istaknula da HBOR priprema sli\u010dan program i za ulaganja u privatnom uslu\u017enom sektoru te proizvodnim industrijama.<\/p>\n<p>Na simpoziju je odr\u017eana i zanimljiva panel diskusija na temu: FINANCIRANJE I RAZVOJ TR\u017dI\u0160TA NEKRETNINA 2018-2025, koju je moderirao <strong>Dorijan Rajkovi\u0107<\/strong>, predsjednik udruge HUPFAS. Na panelu su sudjelovali: <strong>\u017deljko Uhlir<\/strong>, dr\u017eavni tajnik Ministarstva graditeljstva i prostornoga ure\u0111enja, <strong>Jasmina Smokvina<\/strong>, voditeljica projekata energetske u\u010dinkovitosti u zgradarstvu iz Fonda za za\u0161titu okoli\u0161a i energetsku u\u010dinkovitost te <strong>Dubravko Ranilovi\u0107<\/strong>, partner u tvrtki Kastel nekretnine te predsjednik udru\u017eenja poslovanja nekretninama pri Hrvatskoj gospodarskoj komori. U diskusiji su sudjelovali i klju\u010dni predstavnici financijskih institucija: <strong>Josip Pavkovi\u0107<\/strong>, rukovoditelj direkcije za projektna financiranja u HBOR-u, <strong>Josip Josipovi\u0107<\/strong>, direktor odjela EU fondova i posebnih aran\u017emana financiranja iz Zagreba\u010dke banke te <strong>Petra \u0160kevin<\/strong> direktorica HPB nekretnina.<\/p>\n<p>Tijekom diskusije bilo je rije\u010di o mogu\u0107nostima i potrebi sufinanciranja energetskih obnova iz EU sredstava i koliko energetska u\u010dinkovitost zgrada mo\u017ee utjecati na vrijednost nekretnina te na koji na\u010din se taj utjecaj obuhva\u0107a u postupcima procjena vrijednosti nekretnina. Govorilo se i o tome koliko je uvo\u0111enje obveze objave i izrade energetskog certifikata pri prodaji nekretnina utjecalo na tr\u017ei\u0161te nekretnina i posti\u017eu li takve nekretnine ve\u0107u cijenu na tr\u017ei\u0161tu. Predstavnici banaka su informirali sudionike o trenutnim, ali i budu\u0107im kreditnim linijama i proizvodima koje nude.<\/p>\n<p>U sklopu simpozija odr\u017eana je i radionica pod nazivom: \u201eEnergetski u\u010dinkoviti hipotekarni krediti\u201c koja je okupila jako veliki broj sudionika. Okrugle stolove moderirali su predstavnici Upravnog odbora udruge HSZG te se raspravljalo o mogu\u0107nostima provedbe projekta na na\u0161em tr\u017ei\u0161tu.<\/p>\n<p>Cilj projekta je kreiranje energetski u\u010dinkovitih kreditnih proizvoda, a kroz diskusiju su sudionici radionice dobili informacije o europskim istra\u017eivanjima te najboljim tr\u017ei\u0161nim iskustvima vezanim za \u201ezelene kredite\u201c. Radionica se prvenstveno usredoto\u010dila na tr\u017ei\u0161te obnove postoje\u0107ih stambenih zgrada, ali je uklju\u010dila i pogled na novu gradnju\/ poslovnu nekretninu.<\/p>\n<p>Organizator Simpozija je Hrvatski savjet za zelenu gradnju, dok su partneri: Svjetski savjet za zelenu gradnju i Europska regionalna mre\u017ea Savjeta, te udruge HUEC i HUPFAS. Pokrovitelji Simpozija su Ministarstvo graditeljstva i prostornoga ure\u0111enja, Fond za za\u0161titu okoli\u0161a i energetsku u\u010dinkovitost te Hrvatska gospodarska komora. Zlatni sponzor Simpozija je Hrvatska banka za obnovu i razvitak.<\/p>\n<div><strong>ORGANIZATOR:<\/strong><\/div>\n<div><img decoding=\"async\" src=\"https:\/\/gbccroatia.org\/storage\/uploads\/editor\/logo1_en_2.jpg\" alt=\"\" width=\"161\" height=\"94\" \/><\/div>\n<div><\/div>\n<div><strong>PARTNERI:<\/strong><\/div>\n<div><strong><a href=\"http:\/\/www.worldgbc.org\/\"><img decoding=\"async\" class=\"alignnone wp-image-16606 size-full\" src=\"https:\/\/gbccroatia.org\/wp-content\/uploads\/2023\/09\/www-gbccroatia-org-479-wgbc.png\" alt=\"\" width=\"284\" height=\"160\" \/><\/a> <img decoding=\"async\" class=\"alignnone size-medium wp-image-16608\" src=\"https:\/\/gbccroatia.org\/wp-content\/uploads\/2023\/09\/image285-300x59.png\" alt=\"\" width=\"300\" height=\"59\" srcset=\"https:\/\/gbccroatia.org\/wp-content\/uploads\/2023\/09\/image285-300x59.png 300w, https:\/\/gbccroatia.org\/wp-content\/uploads\/2023\/09\/image285.png 352w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/strong><\/div>\n<div><strong> <a href=\"http:\/\/www.huec.hr\/\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-16494 size-medium\" src=\"https:\/\/gbccroatia.org\/wp-content\/uploads\/2023\/09\/www-gbccroatia-org-548-logo1111x681-300x184.jpg\" alt=\"\" width=\"300\" height=\"184\" srcset=\"https:\/\/gbccroatia.org\/wp-content\/uploads\/2023\/09\/www-gbccroatia-org-548-logo1111x681-300x184.jpg 300w, https:\/\/gbccroatia.org\/wp-content\/uploads\/2023\/09\/www-gbccroatia-org-548-logo1111x681-1024x628.jpg 1024w, https:\/\/gbccroatia.org\/wp-content\/uploads\/2023\/09\/www-gbccroatia-org-548-logo1111x681-768x471.jpg 768w, https:\/\/gbccroatia.org\/wp-content\/uploads\/2023\/09\/www-gbccroatia-org-548-logo1111x681.jpg 1111w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/a>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 <img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-13484\" src=\"https:\/\/gbccroatia.org\/wp-content\/uploads\/2023\/09\/hupfas_1.png\" alt=\"\" width=\"150\" height=\"38\" \/><\/strong><\/div>\n<div><\/div>\n<div><\/div>\n<div><strong>POKROVITELJI:<\/strong><\/div>\n<div><strong><a href=\"http:\/\/www.mgipu.hr\/\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-16497 size-medium\" src=\"https:\/\/gbccroatia.org\/wp-content\/uploads\/2023\/09\/www-gbccroatia-org-441-logomgipu_2-300x31.jpg\" alt=\"\" width=\"300\" height=\"31\" srcset=\"https:\/\/gbccroatia.org\/wp-content\/uploads\/2023\/09\/www-gbccroatia-org-441-logomgipu_2-300x31.jpg 300w, https:\/\/gbccroatia.org\/wp-content\/uploads\/2023\/09\/www-gbccroatia-org-441-logomgipu_2-1024x107.jpg 1024w, https:\/\/gbccroatia.org\/wp-content\/uploads\/2023\/09\/www-gbccroatia-org-441-logomgipu_2-768x81.jpg 768w, https:\/\/gbccroatia.org\/wp-content\/uploads\/2023\/09\/www-gbccroatia-org-441-logomgipu_2-1536x161.jpg 1536w, https:\/\/gbccroatia.org\/wp-content\/uploads\/2023\/09\/www-gbccroatia-org-441-logomgipu_2.jpg 1772w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/a> <a title=\"FZOEU\" href=\"http:\/\/www.fzoeu.hr\/\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" title=\"Fond za za\u0161titu okoli\u0161a i energetsku u\u010dinkovitost\" src=\"https:\/\/gbccroatia.org\/storage\/uploads\/editor\/logofonda.jpg\" alt=\"Fond za za\u0161titu okoli\u0161a i energetsku u\u010dinkovitost\" width=\"143\" height=\"87\" \/><\/a><\/strong><a href=\"http:\/\/www.fzoeu.hr\/\" target=\"_blank\" rel=\"noopener\"><strong><a href=\"https:\/\/www.hgk.hr\/\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/gbccroatia.org\/storage\/uploads\/editor\/hgk_logo_1.png\" alt=\"\" width=\"109\" height=\"130\" \/><\/a><\/strong><\/a><\/div>\n<div><\/div>\n<div><\/div>\n<div><strong>ZLATNI SPONZOR:<\/strong><\/div>\n<div><strong><a href=\"https:\/\/www.hbor.hr\/\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-16611 size-medium\" src=\"https:\/\/gbccroatia.org\/wp-content\/uploads\/2023\/09\/www-gbccroatia-org-460-hborlogozaprimjenu02_1-300x118.jpg\" alt=\"\" width=\"300\" height=\"118\" srcset=\"https:\/\/gbccroatia.org\/wp-content\/uploads\/2023\/09\/www-gbccroatia-org-460-hborlogozaprimjenu02_1-300x118.jpg 300w, https:\/\/gbccroatia.org\/wp-content\/uploads\/2023\/09\/www-gbccroatia-org-460-hborlogozaprimjenu02_1-1024x404.jpg 1024w, https:\/\/gbccroatia.org\/wp-content\/uploads\/2023\/09\/www-gbccroatia-org-460-hborlogozaprimjenu02_1-768x303.jpg 768w, https:\/\/gbccroatia.org\/wp-content\/uploads\/2023\/09\/www-gbccroatia-org-460-hborlogozaprimjenu02_1-1536x605.jpg 1536w, https:\/\/gbccroatia.org\/wp-content\/uploads\/2023\/09\/www-gbccroatia-org-460-hborlogozaprimjenu02_1-1156x450.jpg 1156w, https:\/\/gbccroatia.org\/wp-content\/uploads\/2023\/09\/www-gbccroatia-org-460-hborlogozaprimjenu02_1.jpg 1680w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/a> <img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-16613\" src=\"https:\/\/gbccroatia.org\/wp-content\/uploads\/2023\/09\/www-gbccroatia-org-536-esiffilogo_1-300x88.jpg\" alt=\"\" width=\"300\" height=\"88\" srcset=\"https:\/\/gbccroatia.org\/wp-content\/uploads\/2023\/09\/www-gbccroatia-org-536-esiffilogo_1-300x88.jpg 300w, https:\/\/gbccroatia.org\/wp-content\/uploads\/2023\/09\/www-gbccroatia-org-536-esiffilogo_1-768x226.jpg 768w, https:\/\/gbccroatia.org\/wp-content\/uploads\/2023\/09\/www-gbccroatia-org-536-esiffilogo_1.jpg 866w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/strong><\/div>\n<div><\/div>\n<div><strong>MEDIJI:<\/strong><\/div>\n<div>\n<table width=\"667\">\n<tbody>\n<tr>\n<td><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/gbccroatia.org\/storage\/uploads\/editor\/gradimo-zadar-2017.png\" alt=\"Gradimo Zadar\" width=\"101\" height=\"58\" \/><\/td>\n<td><a href=\"https:\/\/www.gradimo.hr\/\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-13480 \" src=\"https:\/\/gbccroatia.org\/wp-content\/uploads\/2023\/09\/gradimo-hr.png\" alt=\"\" width=\"162\" height=\"48\" \/><\/a><\/td>\n<td><\/td>\n<td><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/gbccroatia.org\/storage\/uploads\/editor\/webgradnja_2.jpg\" alt=\"\" width=\"170\" height=\"54\" \/><\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/gbccroatia.org\/storage\/uploads\/editor\/gradevinar.jpg\" alt=\"GRA\u0110EVINAR\" width=\"181\" height=\"26\" \/><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<div><\/div>\n<div><\/div>\n<div><\/div>\n<div><\/div>\n<div>Kontakt osoba:<\/div>\n<div>Tanja Markovi\u0107, Voditeljica projekata, Hrvatski savjet za zelenu gradnju\u00a0\u00a0M: +385 91 2222 435; E:\u00a0<a href=\"mailto:tanja.markovic@gbccroatia.org\">tanja.markovic@gbccroatia.org<\/a>\u00a0; W: www.gbccroatia.org<\/div>\n<div><\/div>\n<div><em><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-16595\" src=\"https:\/\/gbccroatia.org\/wp-content\/uploads\/2023\/09\/image21_10.png\" alt=\"\" width=\"237\" height=\"158\" \/>This project has received funding from the European Union\u2019s Horizon 2020 research and innovation programme under grant agreement No 746205. The sole responsibility for the content of this material lies with the authors. It does not necessarily represent the views of the European Union, and neither EASME nor the European Commission are responsible for any use of this material.<\/em><\/div>\n<p>&nbsp;<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-16615\" src=\"https:\/\/gbccroatia.org\/wp-content\/uploads\/2023\/09\/image286-300x200.jpg\" alt=\"\" width=\"300\" height=\"200\" srcset=\"https:\/\/gbccroatia.org\/wp-content\/uploads\/2023\/09\/image286-300x200.jpg 300w, https:\/\/gbccroatia.org\/wp-content\/uploads\/2023\/09\/image286-1024x683.jpg 1024w, https:\/\/gbccroatia.org\/wp-content\/uploads\/2023\/09\/image286-768x512.jpg 768w, https:\/\/gbccroatia.org\/wp-content\/uploads\/2023\/09\/image286-1536x1024.jpg 1536w, https:\/\/gbccroatia.org\/wp-content\/uploads\/2023\/09\/image286-2048x1365.jpg 2048w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/> <img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-16617\" src=\"https:\/\/gbccroatia.org\/wp-content\/uploads\/2023\/09\/image288-300x200.jpg\" alt=\"\" width=\"300\" height=\"200\" srcset=\"https:\/\/gbccroatia.org\/wp-content\/uploads\/2023\/09\/image288-300x200.jpg 300w, https:\/\/gbccroatia.org\/wp-content\/uploads\/2023\/09\/image288-1024x683.jpg 1024w, https:\/\/gbccroatia.org\/wp-content\/uploads\/2023\/09\/image288-768x512.jpg 768w, https:\/\/gbccroatia.org\/wp-content\/uploads\/2023\/09\/image288-1536x1024.jpg 1536w, https:\/\/gbccroatia.org\/wp-content\/uploads\/2023\/09\/image288-2048x1365.jpg 2048w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Potencijali i mogu\u0107nosti financiranja energetski u\u010dinkovitih zgrada, vrijednost takvih nekretnina&#8230;<\/p>\n","protected":false},"author":1,"featured_media":11099,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[75],"tags":[],"class_list":["post-18274","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-2018-en"],"acf":{"photo_gallery":{"galerija":[[]],"logo1_slike":[[],[]],"logo2_slike":[[],[],[]],"logo3_slike":[[],[],[],[]],"logo4_slike":[[],[],[],[],[]],"logo5_slike":[[],[],[],[],[],[]],"logo6_slike":[[],[],[],[],[],[],[]],"logo7_slike":[[],[],[],[],[],[],[],[]],"logo8_slike":[[],[],[],[],[],[],[],[],[]],"logo9_slike":[[],[],[],[],[],[],[],[],[],[]],"logo10_slike":[[],[],[],[],[],[],[],[],[],[],[]],"logo11_slike":[[],[],[],[],[],[],[],[],[],[],[],[]],"logo12_slike":[[],[],[],[],[],[],[],[],[],[],[],[],[]],"logo13_slike":[[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"logo14_slike":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"logo15_slike":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"logo16_slike":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"logo17_slike":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"logo18_slike":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"logo19_slike":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"logo20_slike":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]]}},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.3 - 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