First experiences with the new EU directive for real estate loans
Published
At SZ article from 17.5.2016 will report on the effects of the new EU directive on property loans, which will come into force on 21. March was transposed into German law. It is intended to protect builders and buyers from over-indebtedness. Since its introduction, fewer loans have been granted. The German Banking Industry is sounding the alarm: the directive is jeopardising the granting of property loans in many cases.
According to the head of the EIB (European Investment Bank), Werner Hoyer, it is realistic to invest one trillion euros for climate protection within 10 years. In an interview with Der Spiegel, Hoyer said: "If we want to achieve our climate protection goals, we're no longer talking about billions, but trillions of euros" and "We can handle that." EU Commission President Ursula von der Leyen had named the climate protection target when she took office. Hoyer assumes that 1 trillion euro EU climate protection measures will trigger investments totalling 4 trillion euro.
Hoyer wants to mobilise additional money on the capital markets. "If we want to finance climate projects worth an average of 100 billion euros per year and the leverage that our investments trigger is around three, then the EIB would have to raise 30 to 35 billion euros per year," the bank boss told Der Spiegel. Already today, 28 per cent of the EIB's loans flow into projects that serve climate protection: "I want it to become 50 per cent in the future".
The EU target of investing 100 billion per year in climate protection was announced by the new head of the EU Commission Ursula von der Leyen at the 25th Climate Conference COP25 in Madrid. The EU is to become climate neutral by 2050. The EU's first climate protection law will be presented in March 2020.
The UN's "Green Climate Fund" in the South Korean city of Songdo has a luxury problem: there is enough money. What's missing are good ideas for spending it www.taz.de/!5315954
The Federal Award ENVIRONMENT & BUILDING initiated by the Federal Ministry for the Environment, Nature Conservation and Nuclear Safety (BMU) and the Federal Environment Agency (UBA) under the patronage of Federal Minister Svenja Schulze honors projects that already realize the idea of a new Bauhaus in the sense of holistically sustainable buildings. In 2021, the prize will be awarded for the second time, this time in four categories. All players in the building sector are eligible to apply. The closing date for entries is 25 May 2021.. The prize will be awarded on 7 September by Parliamentary State Secretary Florian Pronold and UBA President Dirk Messner.
The discussion about the climate, environmental and health impacts of buildings and their construction has long since reached the centre of society. Topics such as primary energy demand, grey energy or healthy building are no longer just the preserve of experts, but are also attracting the attention of more and more private and public building owners. And rightly so - because the building sector consumes enormous raw material and energy resources, and building products can be harmful to the environment and health. Sustainable solutions already exist today and are already being implemented. The Federal ENVIRONMENT & BUILDING Award therefore honours lighthouse projects in the field of sustainable building and helps to bring the EU Commission's vision of a "New European Bauhaus" to life.
About the Federal Award
This year, the Federal Award will again be presented in the categories "Residential Buildings", "Non-residential Buildings" and "Neighbourhoods". A fourth category, "Climate-friendly refurbishment", is new. In addition to these competition categories, the jury may award special prizes for particularly innovative approaches among the projects submitted.
Conditions of participation
Due to the thematic breadth, all actors in the building sector are invited to apply: from builders and developers to offices for architecture, building services engineering, urban or landscape planning to manufacturers or research institutions. The call for entries is aimed at buildings that have already been completed in Germany or neighbourhoods that are at an advanced stage of planning; multiple applications in different categories are possible (also applies to refurbishment projects!).
What awaits the winners
The award winners will receive public attention on several levels. The award ceremony will take place on 7 September 2021 at the Federal Ministry for the Environment, Nature Conservation and Nuclear Safety in Berlin, where the award-winning projects will be presented to experts and the media. The award-winning projects will also be featured on the websites of UBA and the Federal Environment Ministry. UBA is having films made on the award-winning sustainability examples, which the winners can then use for their own public relations work. Furthermore, all award-winning projects will be documented in a book.
Further
For more information on the conditions of participation in the Federal Environment & Building Award and last year's winners, please visit the Federal Award website: www.umweltbundesamt.de/bundespreis-umwelt-bauen.
The exhibition marking the halfway point of the IBA Heidelberg has opened: A rich accompanying programme attracted almost 1000 visitors from Thursday to Saturday, many of whom were visiting the exhibition venue, the Mark Twain Center in Heidelberg's Südstadt, for the first time.
The IBA SUMMIT, the biennial meeting of mayors, university rectors and urban planners from international "Knowledge Pearls" in Heidelberg, heralded the opening days of the IBA interim presentation on 26 April. Prof. Dr Eckart Würzner, Lord Mayor of the City of Heidelberg welcomed the guests from Stanford, Cambridge, Lund and Leuven with an introduction to the IBA: "The IBA Heidelberg is on an excellent path. It demonstrates how various strengths of our city can be interwoven. These include, for example, promoting education, developing environmentally friendly mobility, creating new living space and promoting climate-neutral urban development. The IBA has made a significant contribution to the sense of a new beginning in Heidelberg.
The vernissage of the exhibition took place at the Mark Twain Center on the evening of 27 April. Gunther Adler, State Secretary for Building, Housing and Urban Development in the Federal Ministry of the Interior spoke on the occasion about the "IBA" format from the federal government's point of view. According to Adler, the IBA is an important piece of German building culture that enjoys international renown and is worth every effort to pursue its claim to excellence. The IBA tradition encompasses many aspects: International relevance, next-practice projects, sustainable impact on the region and building culture standards. For the IBAs currently underway, it is sometimes difficult to fully meet these claims to excellence under the given framework conditions. "Nevertheless, we are seeing overwhelming results, which encourage us as a federal government to continue the quality offensive together - also within the framework of the IBA Heidelberg," the State Secretary emphasised. "We need the IBA to show us how we can find answers to relevant questions of current urban development using new and unusual methods and means - this is more urgent today than ever. The IBA's courage to experiment and to go beyond existing boundaries is important to address the quality of living, working and living in our cities in the future."
Jürgen Odszuck, First Mayor of the City of HeidelbergThe IBA's interim presentation provides an excellent overview of what it is doing in Heidelberg: it gives important new impulses on how we can further develop Heidelberg as the knowledge city of tomorrow. It promotes excellent building projects in our city. And it offers innovative approaches on how we can design processes more effectively and lead to even better results."
Michael Braum, Managing Director of the IBA Heidelberg, was pleased about the great response to the exhibition opening and welcomed the guests: "Innovation in the knowledge society uses its intellectual and creative resources. This changes the value system of the industrial society, in which diligence stood above creativity. Today, in the knowledge society, creativity may be more important than diligence. This also has implications for the city. Our cities will change more dynamically in the 21st century than they did in the course of industrialisation. This requires a new way of thinking in urban planning and architecture. The IBA would like to make a contribution to this, which can now be seen in this exhibition."
Carl Zillich, Curatorial Director of the IBA Heidelbergexplained the exhibition concept: "Before we present realised building projects for the knowledge city of tomorrow in 2022, we have focused at the halfway point on the actors, processes and ideas of the first five years. Together with the exhibition makers from 'Stiftung Freizeit', we have developed analogue and at the same time interactive forms of presentation. Thus, for different interests, individual glimpses behind the scenes of the IBA, the urban development of international science cities, but also Heidelberg institutions and initiatives are on offer. Numerous architectural models, pictures and plans have already aroused curiosity about the construction sites, which are now marked all over the city."
The opening days closed on Saturday, 28 April with a colourful programme, during which many young families in particular got an impression of the exhibition and the IBA projects.
The exhibition of the IBA interim presentation is now open until 8 July daily from Tuesdays to Sundays from 15.00 - 20.00, including public holidays.
More information about the exhibition, guided tours, registration or booking of individual group tours at: www.iba.heidelberg.de
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