Italians have requested almost 900 million euros in loans (887 million euros to be precise) to improve the energy efficiency of their homes, combat high energy prices and, in many cases, increase the value of their real estate assets. The request for money therefore ceases to be generic and is allocated to specific purchases. In fact, by analyzing the destination of the funds, it clearly emerges what the priorities of Italians are.
Home loans, how much green loans have increased
According to CRIF’s analysis, funding for “green” interventions reached an average amount of around 5,000 euros per request in 2025. In the second half of the year there was an increase of 49% compared to the first six months, confirming a strongly accelerating demand.
In particular, it was the surge in energy prices recorded from 2022 onwards that pushed millions of families to rethink their domestic consumption, no longer just to save immediately, but to structurally reduce fixed costs.
Where the money goes: energy and fixtures dominate the market
The largest number of loans – 39% of the total financed in 2025 – involved the energy sector. This category includes interventions such as:
- photovoltaic systems;
- storage systems;
- heat pumps;
- hybrid boilers;
- solar thermal.
All investments that promise an economic return in the medium term through the reduction of bills.
Immediately behind is the “fixtures” sector, which accounts for 34% of the volumes supplied. It is the segment that is growing the most, recording +80% between the first and second half of 2025. This is because changing windows and doors and windows is one of the interventions with the best ratio between cost and energy benefit. A house with efficient windows loses less heat in winter and keeps things cool better in summer, reducing the use of air conditioning and heating.
In third place we find the “stoves” sector, with 16% of volumes and a growth of 42%. Here, sales of pellet and biomass stoves, which have become popular again after the gas crisis, have an impact above all.
The “bike” segment is more marginal, representing 6% of the total, down by 11%. A figure that suggests how green credit is moving more and more towards domestic investments and less towards light mobility.
Amounts requested and user profile
From the analysis of the numbers it emerges that the over 50s are the group that accesses these loans the most. Furthermore, from a legal point of view, natural persons represent 88% of the total financed, while individual businesses account for 6.2% and companies for 5.8%.
Most interventions do not involve radical renovations, but targeted improvements. In fact, the distribution of loans shows that:
- 33.7% are under 5,000 euros;
- 20.7% range from 5,000 to 9,999 euros;
- 18.6% are between 10,000 and 14,999 euros.
Another interesting aspect concerns the role that public incentives play. In fact, many consumers use the loan to advance spending and then recover part of the investment through tax deductions. In fact, credit becomes a lever to make work accessible that would otherwise be postponed.
Because banks are looking at this market with interest
For the financial sector, green loans on the one hand generate new business volumes in a context in which traditional credit slows down, on the other they present a relatively limited risk.
According to CRIF data:
- 57.9% of green loans fall into the low risk range;
- 36.3% in the average one;
- only 1.9% are classified as high risk.
And it is precisely these percentages that make this segment particularly attractive for banks and financial companies.
