The ability of homeowning households to finance renovation investments is an often overlooked barrier towards achieving the long-term energy and climate goals. Especially a quantitative assessment of this financial barrier has been missing in the literature. A methodology to perform such an assessment is developed and applied to the Flemish region in Belgium, which can be seen as a proxy for similar regions elsewhere in Europe. Two empirical datasets are combined through a process of stochastic sampling, to estimate both the renovation costs (towards a 2050-proof level of energy performance) as well as financing capacities for a representative sample of households. The analysis shows that approximately half of the homeowning households cannot finance the necessary renovations. This finding holds regardless of whether renovations are financed and executed all at once, or spread over multiple years into the future. When the additional investment costs associated with comfort increasing measures that typically coincide with energy renovations are included, the share of households facing a shortage in financing capacity increases by 7 to 9 percentage points. The fact that half of all households can finance comprehensive renovations and yet decides not to do so indicates that new policies are required to activate them in the coming decade.

拥有房屋的家庭为翻新投资提供资金的能力是实现长期能源和气候目标的一个经常被忽视的障碍。尤其是文献中缺少对这种财务障碍的定量评估。开发了一种执行此类评估的方法并将其应用于比利时的佛兰芒地区，该地区可被视为欧洲其他类似地区的替代品。通过随机抽样过程将两个经验数据集结合起来，以估计具有代表性的家庭样本的改造成本（朝着 2050 年的能源绩效水平）以及融资能力。分析表明，大约一半的拥有房屋的家庭无法为必要的装修提供资金。无论翻修是一次性资助和执行，还是在未来多年内进行，这一发现都成立。如果将与通常与能源改造同时发生的提高舒适度的措施相关的额外投资成本包括在内，面临融资能力短缺的家庭比例将增加 7 到 9 个百分点。一半的家庭可以为全面翻修提供资金，但决定不这样做，这一事实表明，未来十年需要新政策来激活它们。融资能力不足的家庭比例增加7至9个百分点。一半的家庭可以为全面翻修提供资金，但决定不这样做，这一事实表明，未来十年需要新政策来激活它们。融资能力不足的家庭比例增加7至9个百分点。一半的家庭可以为全面翻修提供资金，但决定不这样做，这一事实表明，未来十年需要新政策来激活它们。