Mobility and heating are both considered “constrained” types of expenditure and are likely to place vulnerable households in difficult situations. This has been the subject of a number of recent TV reports covering oil price increases. Bankers currently don’t take the carbon constraint into account when granting mortgages. The Shift Project’s proposal is thus aimed at changing the criteria used by banks when granting housing loans in order to preserve household solvency.
Further information can be found in the French version of this article.