Recent years have shown that existing subsidy programs and mortgages with preferential interest
rates are not sufficient to significantly accelerate energy renovation. Energy-efficient renovations can be profitable over the lifetime of the building components, but there is a lack of financing instruments that would enable repayment with a time horizon of 20-40 years, or these are not available to many private houseowners. The solution proposed is that the public sector could help fill this gap by covering long-term risks. The public sector would thus act as an "enabler" and facilitate energy renovations that would not be carried out without this security.