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</div> </div> <div> <li class="eib-mega-menu__item eib-mega-menu__item--has-children eib-mega-menu__item--second"> Transparency, accountability and access to information <svg width="11" height="17" viewbox="0 0 11 17" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M0 14.8775L6.43425 8.42915L0 1.98085L1.98085 0L10.41 8.42915L1.98085 16.8583L0 14.8775Z"></path> </svg> </li> <div class="eib-mega-menu__third"> <div class="eib-mega-menu__container"> <span class="eib-mega-menu__back">back</span> <ul class="eib-mega-menu__list"> <li class="eib-mega-menu__item eib-mega-menu__item--third"> <a class="eib-mega-menu__link" href="https://www.eib.org/en/about/partners/cso/access-information-transparency/index.htm">Overview</a> </li> <li class="eib-mega-menu__item eib-mega-menu__item--third"> <a class="eib-mega-menu__link" href="https://www.eib.org/en/about/partners/cso/access-information/index.htm"> Transparency and access to information </a> </li> <li class="eib-mega-menu__item 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href="https://www.eib.org/en/about/partners/cso/consultations/index.htm"> Public consultations </a> </li> <div class="eib-mega-menu__third"> <div class="eib-mega-menu__container"> <span class="eib-mega-menu__back">back</span> <ul class="eib-mega-menu__list"> </ul> </div> </div> </div> <div> <li class="eib-mega-menu__item eib-mega-menu__item--second"> <a class="eib-mega-menu__link" href="https://www.eib.org/about/partners/eib-institute/index"> EIB Institute </a> </li> <div class="eib-mega-menu__third"> <div class="eib-mega-menu__container"> <span class="eib-mega-menu__back">back</span> <ul class="eib-mega-menu__list"> </ul> </div> </div> </div> </ul> </div> </div> </div> <div class=""> <li class="eib-mega-menu__item eib-mega-menu__item--has-children eib-mega-menu__item--first"> What we offer <svg width="11" height="17" viewbox="0 0 11 17" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M0 14.8775L6.43425 8.42915L0 1.98085L1.98085 0L10.41 8.42915L1.98085 16.8583L0 14.8775Z"></path> </svg> </li> <div class="eib-mega-menu__second"> <div class="eib-mega-menu__container"> <span class="eib-mega-menu__back">back</span> <ul class="eib-mega-menu__list"> <div> <li class="eib-mega-menu__item eib-mega-menu__item--second"> <a class="eib-mega-menu__link" href="https://www.eib.org/en/products/index.htm">Overview</a> </li> <div class="eib-mega-menu__third"> <div class="eib-mega-menu__container"> <span class="eib-mega-menu__back">back</span> <ul class="eib-mega-menu__list"> </ul> </div> </div> </div> <div> <li class="eib-mega-menu__item eib-mega-menu__item--has-children eib-mega-menu__item--second"> Loans <svg width="11" height="17" viewbox="0 0 11 17" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M0 14.8775L6.43425 8.42915L0 1.98085L1.98085 0L10.41 8.42915L1.98085 16.8583L0 14.8775Z"></path> </svg> </li> <div class="eib-mega-menu__third"> <div class="eib-mega-menu__container"> <span class="eib-mega-menu__back">back</span> <ul class="eib-mega-menu__list"> <li class="eib-mega-menu__item eib-mega-menu__item--third"> <a class="eib-mega-menu__link" href="https://www.eib.org/en/products/loans/index.htm">Overview</a> </li> <li class="eib-mega-menu__item eib-mega-menu__item--third"> <a class="eib-mega-menu__link" href="https://www.eib.org/en/products/loans/public-sector/index.htm"> Loans for the public sector </a> </li> <li class="eib-mega-menu__item eib-mega-menu__item--third"> <a class="eib-mega-menu__link" href="https://www.eib.org/en/products/loans/framework-public-sector/index.htm"> Framework loans for the public sector </a> </li> <li class="eib-mega-menu__item eib-mega-menu__item--third"> <a class="eib-mega-menu__link" href="https://www.eib.org/en/products/loans/private-sector/index.htm"> Loans for the private sector </a> </li> <li class="eib-mega-menu__item eib-mega-menu__item--third"> <a class="eib-mega-menu__link" href="https://www.eib.org/en/products/loans/sme-mid-caps/index.htm"> Intermediated loans for SMEs, mid-caps and other priorities </a> </li> <li class="eib-mega-menu__item eib-mega-menu__item--third"> <a class="eib-mega-menu__link" href="https://www.eib.org/en/products/loans/microfinance/index.htm"> Microfinance </a> </li> </ul> </div> </div> </div> <div> <li class="eib-mega-menu__item eib-mega-menu__item--has-children eib-mega-menu__item--second"> Equity <svg width="11" height="17" viewbox="0 0 11 17" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M0 14.8775L6.43425 8.42915L0 1.98085L1.98085 0L10.41 8.42915L1.98085 16.8583L0 14.8775Z"></path> </svg> </li> <div class="eib-mega-menu__third"> <div class="eib-mega-menu__container"> <span class="eib-mega-menu__back">back</span> <ul class="eib-mega-menu__list"> <li class="eib-mega-menu__item eib-mega-menu__item--third"> <a class="eib-mega-menu__link" href="https://www.eib.org/en/products/equity/index.htm">Overview</a> </li> <li class="eib-mega-menu__item eib-mega-menu__item--third"> <a class="eib-mega-menu__link" href="https://www.eib.org/en/products/equity/venture-debt.htm"> Venture debt </a> </li> <li class="eib-mega-menu__item eib-mega-menu__item--third"> <a class="eib-mega-menu__link" href="https://www.eib.org/en/products/equity/infra-environment-funds/index.htm"> Investments in infrastructure and environmental funds </a> </li> <li class="eib-mega-menu__item eib-mega-menu__item--third"> <a class="eib-mega-menu__link" href="https://www.eib.org/en/products/equity/sme-mid-caps-funds/index.htm"> Investments in SME and mid-cap funds </a> </li> </ul> </div> </div> </div> <div> <li class="eib-mega-menu__item eib-mega-menu__item--has-children eib-mega-menu__item--second"> Guarantees <svg width="11" height="17" viewbox="0 0 11 17" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M0 14.8775L6.43425 8.42915L0 1.98085L1.98085 0L10.41 8.42915L1.98085 16.8583L0 14.8775Z"></path> </svg> </li> <div class="eib-mega-menu__third"> <div class="eib-mega-menu__container"> <span 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class="eib-mega-menu__container"> <span class="eib-mega-menu__back">back</span> <ul class="eib-mega-menu__list"> </ul> </div> </div> </div> <div> <li class="eib-mega-menu__item eib-mega-menu__item--has-children eib-mega-menu__item--second"> Mandates and partnerships <svg width="11" height="17" viewbox="0 0 11 17" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M0 14.8775L6.43425 8.42915L0 1.98085L1.98085 0L10.41 8.42915L1.98085 16.8583L0 14.8775Z"></path> </svg> </li> <div class="eib-mega-menu__third"> <div class="eib-mega-menu__container"> <span class="eib-mega-menu__back">back</span> <ul class="eib-mega-menu__list"> <li class="eib-mega-menu__item eib-mega-menu__item--third"> <a class="eib-mega-menu__link" href="https://www.eib.org/en/products/mandates-partnerships/index.htm">Overview</a> </li> <li class="eib-mega-menu__item eib-mega-menu__item--third"> <a class="eib-mega-menu__link" href="https://www.eib.org/en/products/mandates-partnerships/investeu/index.htm"> InvestEU </a> </li> <li class="eib-mega-menu__item eib-mega-menu__item--third"> <a class="eib-mega-menu__link" href="https://www.eib.org/en/products/mandates-partnerships/eu-blending-facilities/index.htm"> EU Blending facilities </a> </li> <li class="eib-mega-menu__item eib-mega-menu__item--third"> <a class="eib-mega-menu__link" href="https://www.eib.org/en/products/mandates-partnerships/donor-partnerships/index.htm"> Donor partnerships </a> </li> <li class="eib-mega-menu__item eib-mega-menu__item--third"> <a class="eib-mega-menu__link" href="https://www.eib.org/en/products/mandates-partnerships/shared-management-funds/index.htm"> Shared management funds and financial instruments </a> </li> <li class="eib-mega-menu__item eib-mega-menu__item--third"> <a class="eib-mega-menu__link" href="https://www.eib.org/en/products/mandates-partnerships/efsd/index.htm"> EFSD Guarantee </a> </li> <li class="eib-mega-menu__item eib-mega-menu__item--third"> <a class="eib-mega-menu__link" href="https://www.eib.org/en/products/mandates-partnerships/index.htm#mandates"> All mandates and partnerships </a> </li> </ul> </div> </div> </div> </ul> </div> </div> </div> <div class=""> <li class="eib-mega-menu__item eib-mega-menu__item--has-children eib-mega-menu__item--first"> Our work <svg width="11" height="17" viewbox="0 0 11 17" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M0 14.8775L6.43425 8.42915L0 1.98085L1.98085 0L10.41 8.42915L1.98085 16.8583L0 14.8775Z"></path> </svg> </li> <div class="eib-mega-menu__second"> <div class="eib-mega-menu__container"> <span class="eib-mega-menu__back">back</span> <ul class="eib-mega-menu__list"> <div> <li class="eib-mega-menu__item eib-mega-menu__item--second"> <a class="eib-mega-menu__link" href="https://www.eib.org/en/projects/index.htm">Overview</a> </li> <div class="eib-mega-menu__third"> <div class="eib-mega-menu__container"> <span class="eib-mega-menu__back">back</span> <ul class="eib-mega-menu__list"> </ul> </div> </div> </div> <div> <li class="eib-mega-menu__item eib-mega-menu__item--has-children eib-mega-menu__item--second"> Our projects <svg width="11" height="17" viewbox="0 0 11 17" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M0 14.8775L6.43425 8.42915L0 1.98085L1.98085 0L10.41 8.42915L1.98085 16.8583L0 14.8775Z"></path> </svg> </li> <div class="eib-mega-menu__third"> <div class="eib-mega-menu__container"> <span class="eib-mega-menu__back">back</span> <ul class="eib-mega-menu__list"> <li class="eib-mega-menu__item eib-mega-menu__item--third"> <a class="eib-mega-menu__link" href="https://www.eib.org/en/projects/all/index.htm"> All projects </a> </li> <li class="eib-mega-menu__item eib-mega-menu__item--third"> <a class="eib-mega-menu__link" href="https://www.eib.org/en/projects/pipelines/index.htm"> Projects to be financed </a> </li> <li class="eib-mega-menu__item eib-mega-menu__item--third"> <a class="eib-mega-menu__link" href="https://www.eib.org/en/projects/loans/index.htm"> Financed projects </a> </li> </ul> </div> </div> </div> <div> <li class="eib-mega-menu__item eib-mega-menu__item--has-children eib-mega-menu__item--second"> Our priorities <svg width="11" height="17" viewbox="0 0 11 17" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M0 14.8775L6.43425 8.42915L0 1.98085L1.98085 0L10.41 8.42915L1.98085 16.8583L0 14.8775Z"></path> </svg> </li> <div class="eib-mega-menu__third"> <div class="eib-mega-menu__container"> <span class="eib-mega-menu__back">back</span> <ul class="eib-mega-menu__list"> <li class="eib-mega-menu__item eib-mega-menu__item--third"> <a class="eib-mega-menu__link" href="https://www.eib.org/en/about/at-a-glance/eib-core-strategic-priorities">Overview</a> </li> <li class="eib-mega-menu__item eib-mega-menu__item--third"> <a class="eib-mega-menu__link" href="https://www.eib.org/en/projects/topics/climate-action/index"> Climate and environment </a> </li> <li class="eib-mega-menu__item eib-mega-menu__item--third"> <a class="eib-mega-menu__link" href="https://www.eib.org/en/projects/topics/innovation-digital-and-human-capital/index"> Digitalisation and technological innovation </a> </li> <li class="eib-mega-menu__item eib-mega-menu__item--third"> <a class="eib-mega-menu__link" href="https://www.eib.org/en/projects/topics/innovation-digital-and-human-capital/sesi/index"> Security and defence </a> </li> <li class="eib-mega-menu__item eib-mega-menu__item--third"> <a class="eib-mega-menu__link" href="https://www.eib.org/en/projects/topics/regional-development/index"> A modern cohesion policy </a> </li> <li class="eib-mega-menu__item eib-mega-menu__item--third"> <a class="eib-mega-menu__link" href="https://www.eib.org/en/projects/topics/energy-natural-resources/agriculture/index"> Agriculture and bioeconomy </a> </li> <li class="eib-mega-menu__item eib-mega-menu__item--third"> <a class="eib-mega-menu__link" href="https://www.eib.org/en/projects/topics/sustainable-cities-regions/urban-development/affordable-and-sustainable-housing"> Social infrastructure </a> </li> <li class="eib-mega-menu__item eib-mega-menu__item--third"> <a class="eib-mega-menu__link" href="https://www.eib.org/en/projects/topics/global/index"> High-impact global investment </a> </li> <li class="eib-mega-menu__item eib-mega-menu__item--third"> <a class="eib-mega-menu__link" href="https://www.eib.org/en/projects/topics/capital-markets-union/index"> Capital Markets Union </a> </li> </ul> </div> </div> </div> <div> <li class="eib-mega-menu__item eib-mega-menu__item--has-children eib-mega-menu__item--second"> Our regions of activity <svg width="11" height="17" viewbox="0 0 11 17" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M0 14.8775L6.43425 8.42915L0 1.98085L1.98085 0L10.41 8.42915L1.98085 16.8583L0 14.8775Z"></path> </svg> </li> <div class="eib-mega-menu__third"> <div class="eib-mega-menu__container"> <span class="eib-mega-menu__back">back</span> <ul class="eib-mega-menu__list"> <li class="eib-mega-menu__item eib-mega-menu__item--third"> <a class="eib-mega-menu__link" href="https://www.eib.org/en/projects/regions/index.htm">Overview</a> </li> <li class="eib-mega-menu__item eib-mega-menu__item--third"> <a class="eib-mega-menu__link" href="https://www.eib.org/en/projects/regions/european-union/index.htm"> European Union </a> </li> <li class="eib-mega-menu__item eib-mega-menu__item--third"> <a class="eib-mega-menu__link" href="https://www.eib.org/en/projects/regions/enlargement/index.htm"> Enlargement countries </a> </li> <li class="eib-mega-menu__item eib-mega-menu__item--third"> <a class="eib-mega-menu__link" href="https://www.eib.org/en/projects/region/western-balkans"> Western Balkans </a> </li> <li class="eib-mega-menu__item eib-mega-menu__item--third"> <a class="eib-mega-menu__link" href="https://www.eib.org/en/projects/regions/eastern-neighbours/index.htm"> Eastern Neighbourhood </a> </li> <li class="eib-mega-menu__item eib-mega-menu__item--third"> <a class="eib-mega-menu__link" href="https://www.eib.org/en/projects/regions/southern-neighbours/index.htm"> Southern Neighbourhood </a> </li> <li class="eib-mega-menu__item eib-mega-menu__item--third"> <a class="eib-mega-menu__link" href="https://www.eib.org/en/projects/region/sub-saharan-africa"> Sub-Saharan Africa </a> </li> <li class="eib-mega-menu__item eib-mega-menu__item--third"> <a class="eib-mega-menu__link" href="https://www.eib.org/en/projects/region/latin-america-caribbean"> Latin America and the Caribbean </a> </li> <li class="eib-mega-menu__item eib-mega-menu__item--third"> <a class="eib-mega-menu__link" href="https://www.eib.org/en/projects/region/asia-pacific"> Asia and the Pacific </a> </li> <li class="eib-mega-menu__item eib-mega-menu__item--third"> <a class="eib-mega-menu__link" href="https://www.eib.org/en/projects/regions/efta/index.htm"> EFTA countries </a> </li> <li class="eib-mega-menu__item eib-mega-menu__item--third"> <a class="eib-mega-menu__link" href="https://www.eib.org/en/projects/regions/united-kingdom/index.htm"> UK </a> </li> </ul> </div> </div> </div> <div> <li class="eib-mega-menu__item eib-mega-menu__item--second"> <a class="eib-mega-menu__link" href="https://www.eib.org/en/projects/map.htm"> Global investment map </a> </li> <div class="eib-mega-menu__third"> <div class="eib-mega-menu__container"> <span class="eib-mega-menu__back">back</span> <ul class="eib-mega-menu__list"> </ul> </div> </div> </div> <div> <li class="eib-mega-menu__item eib-mega-menu__item--second"> <a class="eib-mega-menu__link" href="https://www.eib.org/en/projects/cycle/index.htm"> Project cycle </a> </li> <div class="eib-mega-menu__third"> <div class="eib-mega-menu__container"> <span class="eib-mega-menu__back">back</span> <ul class="eib-mega-menu__list"> </ul> </div> </div> </div> <div> <li class="eib-mega-menu__item eib-mega-menu__item--second"> <a class="eib-mega-menu__link" href="https://www.eib.org/en/about/accountability/evaluation/index.htm"> Evaluation </a> </li> <div class="eib-mega-menu__third"> <div class="eib-mega-menu__container"> <span class="eib-mega-menu__back">back</span> <ul class="eib-mega-menu__list"> </ul> </div> </div> </div> </ul> </div> </div> </div> <div class=""> <li class="eib-mega-menu__item eib-mega-menu__item--has-children eib-mega-menu__item--first"> Media centre <svg width="11" height="17" viewbox="0 0 11 17" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M0 14.8775L6.43425 8.42915L0 1.98085L1.98085 0L10.41 8.42915L1.98085 16.8583L0 14.8775Z"></path> </svg> </li> <div class="eib-mega-menu__second"> <div class="eib-mega-menu__container"> <span class="eib-mega-menu__back">back</span> <ul class="eib-mega-menu__list"> <div> <li class="eib-mega-menu__item eib-mega-menu__item--second"> <a class="eib-mega-menu__link" href="https://www.eib.org/en/infocentre/index.htm">Overview</a> </li> <div class="eib-mega-menu__third"> <div 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class="eib-title__share"> <!-- meta-line --> <div class="eib-title__meta-line"> <div class="eib-title__meta-line__wrapper"> <div class="eib-title__meta-line_print btn-tooltip"> <button id="print-icon" class="btn-icon">Print <i class="fa-solid fa-print"></i></button> </div> <div class="eib-title__meta-line_share btn-tooltip"> <button class="btn-icon">Share <i class="fa-solid fa-arrow-up-from-bracket"></i></button> <span class="eib-icon-social-media toolip"> <a href="https://twitter.com/intent/tweet/?url=http://www.eib.org/projects/topics/sustainable-cities-regions/urban-development/affordable-and-sustainable-housing" target="_blank" aria-hidden="true"><i class="fa-brands fa-x-twitter fa-xl"></i></a> <a href="https://facebook.com/dialog/share?app_id=1214650435266588&href=http://www.eib.org/projects/topics/sustainable-cities-regions/urban-development/affordable-and-sustainable-housing" target="_blank" aria-hidden="true"><i class="fa-brands fa-facebook-f fa-xl"></i></a> <a href="https://www.linkedin.com/shareArticle?mini=true&url=http://www.eib.org/projects/topics/sustainable-cities-regions/urban-development/affordable-and-sustainable-housing" target="_blank" aria-hidden="true"><i class="fa-brands fa-linkedin-in fa-xl"></i></a> <a href="mailto:?body=http://www.eib.org/projects/topics/sustainable-cities-regions/urban-development/affordable-and-sustainable-housing" target="_self" aria-hidden="true"><i class="fa-solid fa-envelope fa-xl"></i></a> <a href="whatsapp://send?text=http://www.eib.org/projects/topics/sustainable-cities-regions/urban-development/affordable-and-sustainable-housing" target="_blank" aria-hidden="true"><i class="fa-brands fa-whatsapp fa-xl"></i></a> </span> </div> </div> </div> </div> </div> </div> </div> </div> </div> </header> <main id="content"> <section id="17143789014438" class="eib-section eib-section--white contentText contentText__component "> <div class="eib-layout eib-layout--contained-col-8 eib-layout--align-left-contained eib-layout--single-column"> <div class="eib-content-text eib-typography__body eib-component--item"> <p>Affordable and sustainable housing faces challenges in many EU countries, including increasing demand, a decline in stocks and limited resources.</p> <p>Housing is a basic human need, and the EIB is committed to easing the pressure on housing markets in Europe. Affordable and sustainable housing loans are a major element of the EU bank’s €150 billion in urban lending.</p> <p>The EIB's support includes the reconstruction of existing housing and the construction of new social and affordable accommodation. Projects range from housing schemes in small towns and rural areas that face demographic challenges to development projects in large cities with severe housing shortages.</p> </div> </div> </section> <section id="47842884241328" class="eib-section eib-section--grey contentText contentText__component "> <div class="eib-layout eib-layout--contained-col-8 eib-layout--align-left-contained eib-layout--single-column"> <div class="eib-layout--contained-col-8 eib-component--title"> <h3 class="eib-heading-4 eib-section-heading ">Why does the EIB finance affordable and sustainable housing?</h3> </div> <div class="eib-content-text eib-typography__body eib-component--item"> <p>The EIB is involved in social housing for two main reasons:</p> <ul> <li>First, there is a lack of decent, safe and energy-efficient housing for lower income and marginalised populations. This can be attributed to incomplete or missing markets and coordination failures, which can have wider negative consequences, such as public health and safety issues, a shortage of workers, inefficient labour markets, poor use of energy and low energy efficiency.</li> <li>Second, decent housing can help reduce inequality in society and defuse potential social tensions, which may be ignited by geographically polarised concentrations of different population groups and a poor social mix.</li> </ul> <p>The boundaries between affordable and sustainable housing are not clear-cut and may vary from country to country. The EIB addresses this by lending to the social and affordable housing sector in order to:</p> <ul> <li>redress the lack of affordable and sustainable housing;</li> <li>strengthen equity and cohesion.</li> </ul> </div> </div> </section> <section id="87760611662154" class="eib-section eib-section--white contentText__component picture__component "> <div class="eib-layout eib-layout--halves[5/6] "> <div class="eib-layout--contained-col-8 eib-component--title eib-title--in "> <h3 class="eib-heading-4 eib-section-heading ">How we help</h3> </div> <div class="eib-layout__row"> <div class="eib-layout__col eib-split-text__content eib-typography "> <div class="eib-content-text eib-typography__body contentText contentText__component eib-component--item"> <p>The EIB is flexible in terms of its financing approach and has different <a href="https://www.eib.org/products/index.htm">products</a> available.</p> <p>The <a href="https://europa.eu/investeu/home_en" target="_blank">InvestEU</a> programme enables the EIB to accept higher levels of risk, for example when lending to affordable and sustainable housing companies with lower ratings.</p> <p>The EIB supports better funding and advisory services under the <a href="https://ec.europa.eu/regional_policy/en/policy/themes/urban-development/agenda/" target="_blank">EU Urban Agenda</a>. It works with partners to foster new social housing in transition countries where social housing is limited and regulatory frameworks have not been established.</p> <p>Besides financing, the EIB provides advice on affordable and sustainable housing topics linked to investment in the sector – in particular through our <a href="https://eiah.eib.org/about/initiative-urbis" target="_blank">URBIS</a> (Urban Investment Support) instrument available via the <a href="https://eiah.eib.org/index" target="_blank">European Investment Advisory Hub</a>.</p> </div> </div> <div class="eib-layout__col eib-split-text__content eib-typography media--centered 2"> <figure class="eib-figure picture picture__component eib-component--item"> <picture class="lozad" style="display: block; min-height: 1rem" data-iesrc="https://www.eib.org/photos/download.do?documentId=ef6e004b-ff77-4583-9cf8-82267a51200e&binaryType=XL" data-alt=""> <source media="(max-width: 480px)" srcset="https://www.eib.org/photos/download.do?documentId=ef6e004b-ff77-4583-9cf8-82267a51200e&binaryType=M"> <source media="(max-width: 767px)" srcset="https://www.eib.org/photos/download.do?documentId=ef6e004b-ff77-4583-9cf8-82267a51200e&binaryType=WL"> <source media="(min-width: 768px)" srcset="https://www.eib.org/photos/download.do?documentId=ef6e004b-ff77-4583-9cf8-82267a51200e&binaryType=WXL"> <source media="(min-width: 1200px)" srcset="https://www.eib.org/photos/download.do?documentId=ef6e004b-ff77-4583-9cf8-82267a51200e&binaryType=XL"> <img class="eib-rounded-item" src="data:image/jpeg;base64,/some_lqip_in_base_64==https://www.eib.org/photos/download.do?documentId=ef6e004b-ff77-4583-9cf8-82267a51200e&binaryType=XL"> <figcaption class="eib-typography__primary-label pt-2"> </figcaption> </picture> </figure> </div> </div> </div> </section> <section id="31254012248450" class="eib-section eib-section--blue contentText__component video__component "> <div class="eib-layout eib-layout--halves[6/5] "> <div class="eib-layout--contained-col-8 eib-component--title eib-title--in "> <h3 class="eib-heading-4 eib-section-heading ">The things we take for granted: A home for Anselm</h3> </div> <div class="eib-layout__row"> <div class="eib-layout__col eib-split-text__content eib-typography eib-section--blue "> <div class="eib-content-text eib-typography__body contentText contentText__component eib-component--item"> <p>For a long time, Anselm struggled to find a place to live in Dublin, until he became eligible for social housing. In July 2023, he finally moved into an affordable home run by Focus Ireland. It changed his life.</p> <p>The new apartment block was financed by the Irish Housing Finance Agency with the support of the EIB. Between 2016 and 2023, the EIB backed the agency with €650 million that resulted in 5,000 social and affordable housing units and 550 energy renovations.</p> <p>More investment in social infrastructure is one of the EIB’s top financing priorities in Europe.</p> </div> </div> <div class="eib-layout__col eib-split-text__content eib-typography media--centered 2"> <div class="post-video__content eib-rounded-item youtube-player eib-poster-image pristine video video__component eib-component--item" data-youtubeList='false' data-video-id="NkV7nSEUwRU"> <div class="play-video video-play-button" data-message="This can be click to play the video"> <span></span> </div> <img class="lozad eib-rounded-item " data-src="https://img.youtube.com/vi/NkV7nSEUwRU/maxresdefault.jpg"src="https://img.youtube.com/vi/NkV7nSEUwRU/default.jpg" alt="custom-preview"> </div> </div> </div> </div> </section> <section id="84326186952813" class="eib-section eib-section--grey contentText contentText__component "> <div class="eib-layout eib-layout--contained-col-8 eib-layout--align-left-contained eib-layout--single-column"> <div class="eib-layout--contained-col-8 eib-component--title"> <h3 class="eib-heading-4 eib-section-heading ">Eligibility criteria</h3> </div> <div class="eib-content-text eib-typography__body eib-component--item"> <p>EIB activities support the implementation of the EU Urban Agenda. We invest in regions and nations where there is a clear policy and a regulatory housing framework.</p> <p>Housing eligible for EIB financing includes all non-market or regulated accommodation and housing. That includes:</p> <ul> <li>social housing and affordable housing for rent;</li> <li>refugee accommodation and reception centres, and associated infrastructure and start‑up costs (typically provided during an asylum process);</li> <li>student accommodation and accommodation for apprentices;</li> <li>care homes and assisted living facilities.</li> </ul> <p>The EIB checks affordable and sustainable housing projects against their eligibility criteria, income related and other social criteria, such as: rent setting, administration of waiting lists, transparency of the allocation process, market functioning across public and private providers, potential state aid issues and procurement arrangements for housing construction. Where some of these elements are not in place, the Bank seeks to incorporate appropriate safeguards on a project‑specific basis and provides advice if needed.</p> </div> </div> </section> <section id="63509109017866" class="eib-section eib-section--white photogallery__component photogallery__component "> <div class="eib-layout eib-layout--halves "> <div class="eib-layout--contained-col-8 eib-component--title eib-title--in "> <h3 class="eib-heading-3 ">Featured projects</h3> </div> <div class="eib-layout__row"> <div class="eib-layout__col "> <section id="49991821473780"> <div class="gallery eib-gallery" itemscope itemtype="http://schema.org/ImageGallery"> <div class="eib-gallery__header"> <h3 class="eib-heading-3"> </h3> <div class="gallery-header__description"> <h2 class="eib-section-title eib-component--section-title eib-typography__section-title pt-4 pb-4">Portugal</h2> <h3 class="eib-heading-4 eib-section-heading">Boosting social inclusion and tackling climate change</h3> <span style="color:#999999"><em class="fa-coins fa-light"> </em> </span> €100 million</p> <p><span class="fa-book-open-reader fa-light"> </span> <a href="https://www.eib.org/stories/eu-delivers-sustainable-housing-portugal-european-parliament-elections">Read the blog story</a></p> </div> </div> <div class="eib-swipe__gallery eib-swipeGallery__large eib-swipeGallery gallery-images" itemscope itemtype="http://schema.org/ImageGallery"> <figure class="landsquare " itemprop="associatedMedia" itemscope itemtype="http://schema.org/ImageObject"> <a data-type="panorama-image" href="https://www.eib.org/photos/download.do?documentId=96ae1c76-4323-4d30-96c1-16675bf8bc32&binaryType=XXL" itemprop="contentUrl" data-size="1083.769633507626x600" rel="gallery0" > <img class="lozad object-fit--cover" width="300" height="231" data-src="https://www.eib.org/photos/download.do?documentId=96ae1c76-4323-4d30-96c1-16675bf8bc32&binaryType=M" src="https://www.eib.org/photos/download.do?documentId=96ae1c76-4323-4d30-96c1-16675bf8bc32&binaryType=XS" itemprop="thumbnail" alt="Lower rents and a sustainable city"/> </a> <figcaption class="" itemprop="caption description"> Lower rents and a sustainable city<br> Lower rents and a sustainable city<br> <small>Photographer: Vitor Oliveira<br> ©Portuguese Eyes<br> Download <a href="https://www.eib.org/photos/download.do?documentId=96ae1c76-4323-4d30-96c1-16675bf8bc32&binaryType=original" target="_blank"> original</a></small> </figcaption> </figure> </div> <div class="pswp" tabindex="-1" role="dialog" aria-hidden="true"> <div class="pswp__bg"></div> <div class="pswp__scroll-wrap"> <div class="pswp__container"> <div class="pswp__item"></div> <div class="pswp__item"></div> <div class="pswp__item"></div> </div> <div class="pswp__ui pswp__ui--hidden"> <div class="pswp__top-bar"> <div class="pswp__counter"></div> <button class="pswp__button pswp__button--close" title="Close (Esc)"></button> 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class="eib-gallery__header"> <h3 class="eib-heading-3"> </h3> <div class="gallery-header__description"> <h2 class="eib-section-title eib-component--section-title eib-typography__section-title pt-4 pb-4">Ireland</h2> <h3 class="eib-heading-4 eib-section-heading">Transforming the lives of people priced out of the market</h3> <p><span style="color:#999999"><em class="fa-coins fa-light"> </em> </span> €750 million</p> <p><span class="fa-book-open-reader fa-light"> </span> <a href="https://www.eib.org/stories/eu-delivers-ireland-affordable-housing-european-parliament-elections">Read the blog story</a></p> </div> </div> <div class="eib-swipe__gallery eib-swipeGallery__large eib-swipeGallery gallery-images" itemscope itemtype="http://schema.org/ImageGallery"> <figure class="landsquare " itemprop="associatedMedia" itemscope itemtype="http://schema.org/ImageObject"> <a data-type="panorama-image" href="https://www.eib.org/photos/download.do?documentId=c5e7bedb-4de3-4601-abaf-1d355c507c32&binaryType=XXL" itemprop="contentUrl" data-size="1515.600000000606x600" rel="gallery0" > <img class="lozad object-fit--cover" width="300" height="231" data-src="https://www.eib.org/photos/download.do?documentId=c5e7bedb-4de3-4601-abaf-1d355c507c32&binaryType=M" src="https://www.eib.org/photos/download.do?documentId=c5e7bedb-4de3-4601-abaf-1d355c507c32&binaryType=XS" itemprop="thumbnail" alt="In Ireland social housing gets a boost with financing from the European Investment Bank, the EU bank, and transforms the lives of people priced out of the rental market"/> </a> <figcaption class="" itemprop="caption description"> Irish social housing ‘like a beautiful hotel’<br> In Ireland social housing gets a boost with financing from the European Investment Bank, the EU bank, and transforms the lives of people priced out of the rental market<br> <small> ©DR<br> Download <a 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