Inspiration List: Measures for the Future-Proof Housing Loan

General

  • The Future-Proof Housing Loan is designed to improve the quality of the housing stock. All applications are assessed for compliance with both the letter and the spirit of the program.
  • To be eligible for a Future-Proof Housing Loan for measures in categories 2, 3, and 4, at least one measure must be implemented from category 1.
  • This list of measures is intended as a non-exhaustive list of ideas. Other measures that, in the opinion of the executive board contribute to the regulation’s objective—specifically, reducing energy demand, lowering a home’s CO2 emissions, or increasing the share of renewable energy sources in a home’s energy supply—are also eligible.
  • The costs associated with taking out a Future-Proof Housing Loan, such as advisory, notary, or closing fees, can be included in the loan amount.

Category 1: Energy Measures

Insulation

  • Roof, wall, cavity wall, floor, or ground insulation—where the insulation value meets the requirements for the ISDE subsidy
  • High-efficiency glass, window frame panels, and door insulation—where the U-value meets the requirements for the ISDE subsidy

Space heating

  • Infrared heating panels
  • Low-temperature central heating system (LTV) with a maximum design supply temperature (T_supply) of 55°C.
  • Heat pump
  • Water-side balancing of the heating system

Energy production

  • Solar panels
  • PVT panels
  • Charging station

Ventilation

  • System for heat recovery from wastewater or exhaust air—the heat recovery from ventilation air must achieve an efficiency of at least 90%. The heat recovery from the shower (or shower tray) heat recovery system must achieve an efficiency of at least 50%.
  • Demand-controlled ventilation

Hot water

  • Solar water heater
  • Career-oriented student

Energy Consulting and Monitoring

  • Customized consulting services—provided by a consultant affiliated with a company that holds a BRL 9500-02 certificate
  • An energy monitoring system that provides insight into a home’s electricity consumption and/or electricity generation

Category 2: Water conservation and climate adaptation measures

  • Water-saving toilet
  • System for collecting and using rainwater for toilet flushing and/or the washing machine
  • Permeable paving in the yard when replacing impermeable paving
  • Disconnecting rainwater drainage – by collecting rainwater (using a rain barrel connected to a downspout with an overflow), discharging it above ground on one’s own property (using green infiltration systems), or storing it (in surface water).
  • Green roof – equipped with a drainage layer and a protective/filter layer. When installing a green roof system, the importance of retaining and slowly releasing rainwater is adequately addressed by ensuring a minimum water storage capacity of 25 L/m² for an extensive green roof and at least 50 L/m² for an intensive green roof.
  • Green facade – with a minimum area of 5 m² for a single-family home and 10 m² for a commercial building. The green facade, vertical garden, or facade garden must be visible from a public space (e.g., from a street or square).

Category 3: Age-friendly measures

Structural modifications

  • Bedroom and bathroom on the ground floor
  • Expanding/adapting the bathroom for caregiving
  • Widening doors

Accessibility

  • Lowering thresholds or installing ramps
  • Bent door handles
  • Automatic garage door opener
  • Wall brackets
  • Automatic window opener for top-hung, bottom-hung, or casement windows (with remote control)

Electrical/Installations

  • Enough electrical outlets in easily accessible locations
  • Doorbell with sound amplification/light signal
  • Electronic lock
  • Key locker for home care

Stairs

  • Second handrail
  • Stairlift
  • Extend the stair railing
  • Milling anti-slip edges into stair treads

Bathroom and toilet

  • Non-slip tiles or a non-slip coating on existing tiles
  • Folding shower seat with armrests
  • Installing a raised toilet bowl (> 46 cm)
  • Install a folding grab bar next to the toilet

Kitchen

  • Single-handle kitchen faucet
  • Adjustable kitchen unit
  • Induction cooking instead of gas or electric

Home automation (smart homes)

  • Mobility monitoring using motion sensors and/or cameras
  • Pre-programming the oven, coffee maker, microwave, etc.
  • Opening doors with a cell phone
  • Video intercom with camera and display that forwards calls to a cell phone
  • Digital peephole
  • Wireless video door intercom.

Lighting

  • Light sensors
  • One switch for all the lights when going to bed or leaving

Security

  • Opening and closing locks by individuals with the appropriate key or tag
  • Fire or smoke alarm with an audible alert or a phone call to the fire department or security monitoring center, or activation of the sprinkler system based on smoke detectors
  • Security cameras for residential use
  • Locks and hardware with the Police Seal of Approval

Category 4: Other measures

  • Asbestos removal from the roof – have the asbestos-containing roof removed by a certified asbestos removal company
  • Demolition of dilapidated outbuildings
  • Foundation Repair