Contribution to energy requalification of apartment blocks - mortgage interest

This is an incentive measure aimed at partially covering the discounted interest at a fixed rate, to be paid in advance, deriving from the subscription of a loan contracted by the condominium with a bank that has an agreement with the Autonomous Province of Trento.

Eligible initiatives are those relating to condominium redevelopment interventions that allow a reduction of at least 40% of the building's overall non-renewable energy performance index (Epgl nren, in kWh/m2 per year), calculated on the heated volume of the entire functionally autonomous building of the same building, according to the A2 (standard) assessment method of UNI TS 11300-2, schedule 2, in the municipality where the building is located, taking into account the services actually present in the situation before the intervention.

The amount of the loan may not exceed the total cost of the works and of the design and technical assistance, the latter up to a maximum limit of 10% of the works.

The incentive measure is equal to 75% of the discounted interest, taking into account the limit rate (CAP) established by the Autonomous Province of Trento in the agreement.

The percentage may reach 90% if at least one of the following conditions is met

• coverage of consumption with energy from renewable sources
• reduction of consumption compared to the pre-intervention condition of at least 50%; in the case of first level requalification, achievement of energy class A
• fulfilment of the criteria of the Green Taxonomy (EU Regulation 2020/852) and its Climate Act (EU Delegated Regulation 2021/2139)

Buildings with a starting energy class G will have to reduce their consumption by at least 50 per cent, so they can apply for the 90 per cent contribution.

List of banks that have an agreement with the Autonomous Province of Trento for this measure:

- Cassa Rurale di Ledro BCC
- Volksbank/Banca Popolare dell'Alto Adige s.p.a.
- Cassa Rurale Alta Valsugana
- Cassa Rurale Valsugana e Tesino
- Cassa Rurale Val di Fiemme
- Banca per il Trentino Alto Adige
- Cassa Rurale Val di Non Rotaliana and Giovo
- FPB Cassa di Fassa Primiero Belluno
- Cassa Rurale Adamello Giudicarie Valsabbia Paganella
- Cassa Rurale AltoGarda Rovereto
- Cassa Rurale Vallagarina
- Cassa Raiffeisen Schlern-Rosengarten
- Cassa Rurale Val di Sole

The list is updated as banks join. For queries and information from the banks, you can contact Cassa del Trentino at the following email address: info@cassadeltrentino.it.

For further information on the access criteria and the agreement with the banks, please refer to Resolution GP n. 2052 of 13 December 2024 available in the related documents.

The loan contract must be maintained for 10 years.

The Unique Project Code (CUP) identifying this public investment measure is the following: C45G24000260001. The CUP must be compulsorily indicated on the interest payment certificate for the purposes of the grant payment.

Condominiums located in the territory of the Province of Trento, provided with a condominium administrator or, if not provided with one, in accordance with the provisions of the Civil Code (art. 1129), with a condominium contact person, and built following the issue of a building permit prior to the entry into force of Legislative Decree 192 of 19 August 2005, are eligible for the grant. Condominiums are identified by reference to their name, tax code and condominium administrator or contact person.

Once the contribution has been granted with a provision of the competent structure and communicated to the interested parties, within 24 months from the date of the provision one can request the payment of the contribution due by accessing the specific online platform.

Real estate units owned by companies are not eligible for contributions.

The application can only be submitted online by the administrator or the condominium contact person via the dedicated platform, which has been active since Monday 24 March at 9.00 a.m. By clicking on the "Access the service" button you can fill in and submit the application. You can consult the compilation guide in the related documents.

Again exclusively online, by clicking on the "Request liquidation" button you can submit the request for liquidation of the grant awarded to you. Remember to enter the "application number" that was provided to you during the initial application (Service active from 1 May 2025).

Documents to be attached when filling in on the online platform (in PDF format):

GRANT APPLICATION

• initial prospectus digitally signed by the technician (downloadable in the Forms section)
• energy diagnosis or design documentation certifying the reduction in consumption after the intervention by means of a pre- and post-intervention energy performance certificate
• loan quotation to be contracted with an approved bank indicating the amount of the loan, the interest rate applied and the repayment plan drawn up with a constant capital instalment (so-called Italian-style repayment plan) calculated on an annual basis
• millesimal or pro-rata division of the building, with evidence of real estate units ownedby companies (mandatory only if there are real estate units owned by companies)

For the condominium manager/company manager

• Extract from the minutes of the condominium assembly that resolves on the administrator's mandate to negotiate the loan with partner banks, with indication of the maximum amount to be requested to finance the efficiency measures

For the condominium contact person

• private deed signed by all the owners certifying the identification of the condominium contact person, delegated to follow the administrative process for the implementation of the energy efficiency initiative and any necessary procedures for taking out a loan
• private contract, signed unanimously by the owners, mandating the condominium contact person to negotiate the loan with the banks involved, with an indication of the maximum amount to be requested to finance the efficiency measures

APPLICATION FOR LIQUIDATION (only after granting)

• final statement digitally signed by the technician (downloadable in the Forms section)
• copy of the loan contract and amortisation plan
• Certification of advance payment of interest showing the CUP (Unique Project Code)
• Final statement signed by the technician certifying the reduction of post-intervention consumption by means of a pre- and post-intervention energy performance certificate

For the recognition of the 90% bonus

• AS BUILT technical report signed by the designer pursuant to art. 8 of Legislative Decree 19/08/2005, no.192 (former Law 10) certifying coverage of consumption with energy from renewable sources
• declaration signed by the designer certifying compliance with the taxonomy requirements during construction or declaration by the bank certifying that the loan is aligned with the green taxonomy

The online platform is active from 24 March 2025 to 31 December 2025 noon.