Making the real estate stock more sustainable

Energy performance

The built environment accounts for approximately 35% of the Dutch CO2 footprint. Making the real estate stock more sustainable will consequently also make a substantial contribution to meeting the sustainability challenge we are facing worldwide. The Paris Agreement and the Dutch Energy Agreement for Sustainable Growth set the tone for the national sustainability agenda in the Netherlands. The government policy aims for neutral energy performance for new homes from 2020. Offices will be required to have an energy performance label C or better as of 2023. 


The Dutch Minister of Economic Affairs´ Energy Agenda presented in 2016 furthermore sets out how the Netherlands will be weaned from natural gas in the years ahead. This direction is clear and irreversible. Investments in the energy conservation of buildings will set the agenda for the upcoming decades. Non-sustainable buildings will increasingly fall from grace, also as investment objects.

Rabobank and sustainability

Rabobank follows an active policy of promoting sustainability. It does this by, for example, financing wind farms (more than 90% of the wind farms in the Netherlands are financed by Rabobank), offering special loans to frontrunners in sustainability and implementing higher pricing for standard loans for less sustainable buildings. The surcharge for this can be more than 50 basis points.
We explore potential financing solutions for sustainable measures together with our clients. We do not focus only on the frontrunners in the market because that would mean excluding other parties. This is important because we will only be able to achieve the energy targets if buildings become sustainable ‘en masse’. And that can only be achieved by taking the measures over a longer number of years.