Energy Efficient Mortgage Label - Harmonised Disclosure Template
Jyske Realkredit is the first Danish lending institution to join the Energy Efficient Mortgage (EEM) Label and the first institution in the world to publish the Harmonised Disclosure Template (HDT). The Initiative was established in 2020 by the European Mortgage Federation – European Covered Bond Council (EMF-ECBC) and is an Industry-led initiative designed to support the market with more transparency on sustainability by providing mortgage-specific data on the lending institutions’ portfolios.
In the template investors can for example find information about building age and Energy Performance Certificate (EPC) on mortgages in the portfolios. The template shows that, 23 pct. of Jyske Realkredit’s nominal lending is provided to Energy Efficient buildings.