• Tools 14 May 2020 SMARTER Finance for Vulnerable Families The purchase of a new home, regardless of its energy efficiency level, is one of the lowest priorities of low income households. People with limited financial resources are often facing many other basic existential problems and their initiative to acquire new green housing is  low.  Moreover,  most  of commercial banks and other commercial financial institutions consider low income clients a high risk group for any type of loan. However, private initiative from third parties and…