Green loans, EUR 887 million total financed reached

Fifty-year-olds who want to make their homes more energy efficient by installing heat pumps or state-of-the-art fixtures. This is the identikit of the Italian who applies for a green loan according to the latest data from Crif. In 2025, the total financed in the sector reached 887 million euro with an average amount of around 5 thousand euro.

"Comparing the second half of 2025 with the first," reads the Crif Observatory document, "there is an increase of 49%, a result that reflects both seasonal dynamics and the effect of public incentives. This is a market that is growing in a structured manner, driven also by a demand that is increasingly attentive to environmental issues and by an expanding credit offer".

It is the over-50s who are most interested in applying for a green loan, thus debunking yet another cliché about the energy transition "which is not the prerogative only of the younger generations and tells us - Crif analysts point out - of a wide range of customers with greater spending power and with real estate and housing assets to be enhanced". Individuals are still the main component with an 88% share of the total financed, followed by sole proprietorships (6.2%) and companies (5.8%).

As for the most common 'denomination' of green loans, the prevailing range is up to EUR 5,000 (33.7%), followed by the 5,000-10,000 range (20.7%).

The Crif Observatory also goes in depth on the sector side. In first place are loans for energy, which account for 39% of the total financed in 2025 and a growth of 45% in the second half of the year compared to the previous six months (also in 2025). In second place are green loans for fixtures (34%). In this case, however, there was a boom between the two half-year periods last year: green loans grew by as much as 80 per cent. Other sectors include stoves with 16 per cent of the volume, up 42 per cent semester-on-semester; and bicycles with 6 per cent, which, however, fell by 11 per cent between the two semesters.