| 摘要 |
An apparatus, system, and method for determining and applying an energy savings to a financial transaction includes estimating and/or monitoring usage of utilities by detectors, comparing the usage to a predetermined baseline value, and valuating an energy savings. A portion of the savings may be applied to any of early repayment of a mortgage loan, investment in securities, and a request for a credit. The method enables issuance of mortgage loans for building projects that conserve or produce energy, where the loans may have terms that are similar or better than conventional mortgage loans. The method standardizes values of energy units and/or monetary units, and quantifies a savings. Thus, the method aids in qualifying the building project based on a particular amount of energy savings or a savings within a range. Thus, the method forms a bridge between green, other energy conserving, or sustainable technologies and the financial markets. |
