Financing and sustainability

Energy efficiency, 54% of Italians will take action in the next three years

Emerging from the Findomestic Observatory that mapped Italians' intentions on green loans

by Niccolò Gramigni

(Adobe Stock)

3' min read

Translated by AI
Versione italiana

3' min read

Translated by AI
Versione italiana

For consumption, 2026 will be a year in line with what was seen in 2025, with consumers oriented towards saving at least in the first part of the year, also in light of the great uncertainty. Green loans, on the other hand, will grow again to support the domestic energy efficiency projects of households that cannot count on the generous incentives of the past.

The picture was taken by the Findomestic Observatory, which indicates in its latest January report what we should expect. The three-month propensity to consume surveyed in January confirms the forecast of a start to the year for consumption with the handbrake pulled (+1.6% compared to December), with the exception of those destined for home improvement with the most marked growth relating to do-it-yourself equipment (+5.4%): "It is a percentage that testifies to the great attention paid to the home", says Claudio Bardazzi, head of the Findomestic Observatory. The figures for renovations, at +2.4%, and furniture, +1.4%, also confirm this".

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In terms of percentage change over the previous month, as a propensity to consume, sports equipment also did well (+2.9%), while the most conspicuous drop (-3.1%) was recorded in the used car market (slightly positive, at +0.5%, was that of new cars). PCs (-2.2%) and TVs (-2%) also declined.

Home renovations and energy efficiency

In the latest Findomestic Observatory report there is an interesting focus on home renovation and energy efficiency. The sample (up to 1,000 people depending on the question) was asked if they had ever renovated their home or in any case done work to improve it: 70% answered yes, and it is worth highlighting that 37% said they had done so after Covid.

'With the pandemic,' adds Bardazzi, 'the centrality of housing has been rediscovered. And the incentives have given impetus. On the type of interventions made, 50 per cent say they have carried out 'at least one energy efficiency intervention' in the past.

Next three years

The willingness of those who answered the question on their intention to renovate their homes in the next three years is very interesting: 'Despite the downsizing of incentives,' explains Bardazzi, 'there is a desire to improve the state of their homes. Forty per cent declare that they plan to make interventions in the next three years'. And what type of interventions? Here, 54 per cent intend to carry out at least one home energy efficiency intervention in the next three years. "We then decided to take a closer look at why people do not want to undertake work on their homes," adds Bardazzi. 41% say they do not want to do it for economic reasons, 36% because the house does not need it.

Funding applications

"The research shows that financing has accounted for one third of the market to date," Bardazzi notes, "and 40 per cent of respondents say that financing would be useful to improve their homes in the next three years. Data that make one realise the importance of credit in supporting the renovation sector".

On the subject of awareness of savings through efficiency, the following question is asked: "Doing work to improve the energy efficiency of your home could save you money on your bills, have you thought about that?". 71% of those who have done work but not aimed at energy saving say they have thought about it but haven't done anything yet, and 29% haven't thought about it at all: "Many people therefore," Bardazzi emphasises, "see an expense that frightens them rather than an economic return in perspective. This is why an appropriate policy of stimulation and advice is needed, as Findomestic does, to convince the customer of the goodness of the investment. 2026 will, however, be a good year for energy efficiency: despite the downsizing of incentives, households are interested in home renovation projects that lead to energy savings. And we will do everything we can to support them'.

It is no coincidence that Findomestic's strategy rests on three fundamental pillars: environmental, social and economic, with the aim, observes Anna Maria Russo, the director who heads Findomestic's sustainability initiatives, of 'helping clients to implement projects that can guarantee them a better future'. And among the actions undertaken by the company to accompany families towards energy transformation is the 250 million agreement for green loans signed with the EIB.

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