Global heating and climate change are major issues to be tackled. Physical and transition risks could heavily change our society and economy. To provide a sustainable future for generations to come, a big challenge lies ahead: the reduction of CO2 emissions of residential real estate, which counts for 13.8 % of the CO2 emissions in Belgium. Therefore, the current residential building stock needs to undergo major renovations to achieve the 2050 targets. The credit sector is very active and committed to enable this transformation and play a key-role when people buy or renovate their house. To facilitate this, it collaborates closely with, amongst others, local governments and European institutions.