Fiare Banca Etica accepts financing proposals from companies and organisations and publishes medium/long-term loans for productive or investment assets. Its mortgage loan may finance purchase, construction or promotion of housing and other property; its mortgage-promoter loan is specifically for construction or rehabilitation of homes, garages and commercial premises. Application is through its online project route and includes socio-environmental assessment. Approval depends on project viability and the borrower’s and/or guarantors’ creditworthiness. The reviewed official pages publish no general amount ceiling, interest rate, maturity or standard equity share for these project mortgage products; groups need a case-specific quote. This is bank credit, not a grant or household mortgage guarantee.
Fiare publishes a real collaborative-housing precedent: it says Fiare and Triodos jointly financed Entrepatios Las Carolinas, a 17-home Madrid use-right cooperative; the two banks’ published combined facility was €3,292,000, with the coop separately buying land using its own funds. That historic transaction is evidence of lender precedent, not a current offer, rate, maximum or assurance that another cooperative will qualify.
Its national sector policy expressly includes social and/or cooperative housing. Catalan housing cooperatives may also submit a proposal as the actual borrowing entity; see ct-fiare-vivienda-cooperativa for local legal/status distinctions. This eligibility is access to individual assessment, not automatic approval.