So after about 15 months from the time I put money down on a finished apartment (thank you Portuguese bureaucracy and city utility approvals with a Covid backlog), I finally have a deed and keys to a pretty nice new condo in Lisbon.
And because the money is next to free, I took out a mortgage for a portion of it. Just learned that because my new apartment unit has an "A" energy rating, the EIB (European Investment Bank) is knocking an additional 0.1% off on my interest rate. Not much, but I'll take it.
Because if the condo were in Texas, I'd probably be
charged an extra 0.1% of interest just for discriminatory harm to the state's fossil fuels business.