energy efficient home sangre s

8/18/2019 Energy Efficient Home Sangre s

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ENERGY-EFFICIENTHOMES


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POLICY This presentation will analyze the potential

effectiveness and benefits of Energy-Efficient Homes.


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ISSUES

A 25% redction of foreign oil imports woldcase the price of oil to increase.

This in trn wold case the cost of heating ahome !that ses oil for its heat" to increase.

Also# the price of gas at the pmps wold increase#creating greater monthly e$penses for all whodrive.

Energy efficient homes create other benefits notrelated to oil.


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CONCLUSIONS

Energy efficient homes can dramatically

decrease the cost of maintaining the

average home.

Energy efficient homes also have the

benefit of sing renewable energy sorces#which conserves e$isting energy resorces.


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BACKGROUND

ndstries aside# or homes are the chief

consmers of many energy sorces.

The amont of energy wasted &st throgh poorly inslated

windows and doors is abot as mch energy as we get from the

Alas'an (ipeline each year.

The amont of electricity generated by fossil fels for a singlehome pts more carbon dio$ide into the air than two average

cars.


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Almost every home in the UnitedStates could be powered byrenewable energy of some kind to

a greater or lesser extent. Converting existing homes to

energy-ecient homes and

building only new homes which areenergy-ecient would result in amyriad of bene!ts both long termand short.


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mprovements to an e$isting home# to ma'e it anenergy efficient home# focses chiefly on ensringthat every aspect is properly installed# inslated#

and all e)ipment is energy efficient. The ma&orareas of concern are* +ilding Envelope ,pace Heating and ooling

ater heating and spply aste water Appliances /arbage

0ighting

EXISTING HOMES


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onstrction of a new home can ta'e advantage of a

concept 'nown as 1hole +ilding esign.3

1hole +ilding esign3 ta'es an integrative approach to

bilding design so that all elements of the bilding help

achieve an optimal energy performance. The bilding has

to interact effectively with the otdoor environment 4 a

concept 'nown as climate-responsive architectre.

1hole +ilding esign3 combines Energy-Efficiency

with ,olar Technologies to boost energy savings# and it

redces the amont of energy re)ired to operate a home

compared to conventional hoses.

NEW HOMES


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E H67E, !6T." The 1Energy Efficiency3 aspect of 1hole

+ilding esign3 is concerned with the

same areas as mentioned with E$istingHomes.

The 1,olar Technologies3 incorporated into

the 1hole +ilding esign3 involves the

se of (assive ,olar esign and ,olar

Thermal Technology.


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E H67E, !cont." (assive ,olar esign

s the technology of heating# cooling# and lighting a bilding

natrally with snlight rather than with mechanical systems.

,ome design featres inclde large soth-facing windows and

bilding materials that absorb and slowly release the sn8s heat.

t can also involve the se of (hotovoltaic !(9" technology. (9

is basically :solar electricity: that reslts from converting

snlight into energy.

(9 systems help preserve the Earth8s finite fossil-fel resorces

sch as coal# oil# and natral gas. t also helps redce air and

water polltion associated with these energy sorces.

ncorporating passive solar designs can redce heating bills asmch as 5;%.


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E H67E, !cont."

,olar Thermal Technology s the se of solar water-heating systems.

,olar water-heating systems se collectors generally

monted on a soth facing roof.These collectors heat water either (assively or Actively

!Active being the most energy efficient".


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E H67E, !cont."E$ternal 1hole +ilding esign3


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E H67E, !cont."nternal 1hole +ilding esign3


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=elatively few homes !e$isting > newconstrction" across the ?.,. are energy-efficient

homes.

onsidering the environmental benefits that anenergy-efficient home creates# why haven@t more

people chosen to ma'e their homes an energy-efficient home

THE +/ B?E,T6


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=elctance on the part of consmers to nderta'ethe conversion of their homes to energy-efficienthomes can be smmed p in one word*

76EC

The pfront costs that are re)ired to ma'e theconversion are often too great a barrier for theaverage consmer to overcome.

The Hman +arrier


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,ome energy efficiency improvements involve littleor no implementation cost.

However# there are also improvements that can cost agreat deal of money.

=eplacing a heating system can cost p to D5#;;; in alarge hose or even more if yo are converting fromelectricity to another energy sorce.

nstalling new windows# while very beneficial toyor home and the environment# can be a financialstrain to implement.


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nowledge of the long-term benefits and monthlytility savings that an Energy-Efficient Home can

provide.

nowledge abot Energy-Efficient Homefinancing programs !government bac'ed >

conventional loan programs".

6vercoming Hman +arriers


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The average homeowner spends close to DF#G;; ayear on tility bills.

THE BOTTOM-LINE


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+t an energy-efficient home4with sch featresas proper inslation# high efficiency heating andcooling systems# and energy-efficient windows4

can lower tility bills by F; to 5; percent.

This wold all be reflected in a myriad of benefits# both long term and short.


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Where the Money Goe


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+ecase an energy-efficient home is cost-effective# there are financing programs available

from mortgages to home improvement loans#which allow more people the opportnity to live insch a home.

onsmers can benefit from energy-efficientfinancing whether bying# selling# refinancing# orremodeling a home.


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(eople loo'ing to by an energy-efficient home#

can )alify for a better# more comfortable home becase with lower tility costs# they can afford alarger mortgage payment.

7ost Energy-Efficient financing programs willencorage yo to have an EE=/C =AT/ foryor new or e$isting home# which will tell yoand the lender how energy efficient it is.

A rating typically involves an inspection by a professional energy rater who is certified nder anationally or state accredited Home Energy =ating,ystem !HE=,".


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An energy rater will inspect the energy-relatedfeatres of a home# sch as* inslation levels window efficiency

heating and cooling systems air lea'age

After inspection# the inspector will generate areport that incldes the home8s energy rating alongwith an estimation of annal energy se and costs.


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To help )alify for most energy-efficientfinancing# the report sally mst show that thehome is energy-efficient or that any recommendedimprovements are cost-effective and will savemore money than wold be needed to be borrowedto install them.

hile calclating whether a borrower )alifies for

a mortgage# a lender can recognize these savingsand add the cost of the improvements into themortgage.


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6r# if the home is already energy-efficient# thelender can stretch the debt-to-income )alifyingratio !a borrower8s monthly payment obligation onlong-term debts divided by the borrower8s neteffective income or gross monthly income".

An energy rater will inspect the energy-relatedfeatres of a home# sch as inslation levels#

window efficiency# heating and cooling systems#and air lea'age.


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Energy-Efficient financing is offered throgh

either government-insred or conventional loan programs.

There are 2 types of Energy-Efficient 7ortgages*

F.


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/overnment nsred

U!S! De"#rt$ent o% Ho&'n( #n) Ur*#n De+e,o"$ent


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/overnment nsred !cont."

U!S! De"#rt$ent o% eter#n A%%#'r The ?.,. epartment of 9eterans Affairs !9A"

garantees mortgage loans for veterans.

t can be sed to prchase or refinance a home alongwith the cost of ma'ing energy-efficient improvements.


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onventional (rograms

7ost of the national lenders who offer energy-efficientfinancing operate throgh one of the following programs.

EE=/C ,TA= 7ortgage


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H6 A EE7 ,A9E, 76EC

St#n)#r) Mort(#(e Ne. EEM

Ener(y I$"ro+e$entCot

/01222

A""r#'#, #,&e /32212224#)) 5ot o% '$"ro+e$ent6

/3201222

Do.n P#y$ent /321222 /321222

Mort(#(e A$o&nt /721222 /701222

P 8 I /93: /90:

Ener(y S#+'n( 4Month,y6 /2 /4;26

Tot#, Month,y P#y$ent /93: /;


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H6 A EE7 =EA,E, +?C/ (6E= For # t#n)#r) ho$e .'tho&t ener(y '$"ro+e$ent=

+yer8s total monthly income DG#;;; D5#;;;

7a$imm allowable monthly payment 2I% debt-to-income ratio*

DIJ; DF#J;;

7a$imm mortgage at

K;% of appraised home vale*

DFG2#K;; D22F#5;;

For #n ener(y-e%%'5'ent ho$e=

+yer8s total monthly income DG#;;; D5#;;;

7a$imm allowable monthly payment

G;% debt-to-income ratio*

DK;; DF#5;;

7a$imm mortgage at K;% ofappraised home vale*

DFJ2#J;; D2GL#G;;

A))e) Borro.'n( Po.er D&e

to the Ener(y E%%'5'ent Mort(#(e=

/71;22 /3;1


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THE

EE=/C

E


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6vercoming Hman +arriers

t has been sggested that the only way to

1encorage3 widespread se of Energy-Efficient Homes is throgh /overnmental

0egislation re)iring energy-efficiency.


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E>'t'n( Le(',#t'on 7ost e$isting legislation is done at the state level.

The 7odel Energy ode !7E"# pblished andmaintained by the nternational ode oncil

!"# has inflenced most legislation.

hile not all states have a re)irement regardingthe energy efficiency of homes# most states have#in some form# adopted provisions of the 7odelEnergy ode !7E".

6ther states have adopted the 7E asrecommended practice bt have no statewide-

re)irement that all new constrction se it.


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The 7E contains energy efficiency criteria fornew residential and commercial bildings andadditions to e$isting bildings.

The 7E covers the bilding@s ceilings# walls#

and floorsMfondationsN and the mechanical#lighting# and power systems.

hile some states have adopted the 7E withot

modification# some states have adopted one of the7E editions with state-developed amendments.


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n an effort to harmonize bilding codes acrossAmerica# the 7E was revised to become thenternational Energy onservation ode !E"#first printed in 2;;;.


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As presented at the "#$C Spring %embership %eeting $egulatory A&airsCommittee

Snowbird U' April ())(

EE=/C 6E ,TAT?,

+C ,TATE


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The 6mnibs


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There is a separate credit available for theinstallation of solar and photovoltaic energy-

prodction e)ipment.

These ta$ credits are similar to the credits forconservation# with a ma$imm allowable credit

of D2#;;; dring a ta$ year.


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?nder this +ill# home bilders and contractors

also get a shot at ta$ relief.

hen they install energy-efficient heating and

cooling systems in a new home they are

constrcting# they may be able to )alify for p

to a D2#;;; credit per home.


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These new federal ta$ credits are e$pected to

be e$tremely poplar.

The congressional Ooint ommittee on

Ta$ation estimates that the home improvement

incentives alone will lead to DF.P billion worth

of ta$ credits to homeowners in the coming

decade.

The solar and photovoltaic credits are

estimated to pt DF25 million bac' into home

owners8 poc'ets dring the same period.

energy efficient home sangre s

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