Harmonised Disclosure Template
The Harmonised Transparency Template (HDT) is the worldwide standardised, Excel-based form that lending institutions who have been granted the Energy Efficient Mortgage Label use to disclose information on their energy efficient mortgage products.
Against this background, starting from 21 September 2023 the Final version of the HDT 2024 has been approved and published on the Energy Efficient Mortgage Label Website. The HDT 2024 has now entered a phase-in period until cut-off date 30 March 2024 during which issuers can use either HDT 2024 or HDT 2023. Starting from cut-off date 30 March 2024 only HDT 2024 will allowed in order to be Energy Efficient Mortgage Label compliant.