Earlier quoted context omitted.
For us in FIN, the bulk majority that will get hit worst are low-income rural households that aren't nearly worth 200,000k. In fact it will probably result in a lot of abandoned homes as it isn't worth investing 20k euros to renovate a 60-80k house, not that anyone is lending that money to these homes anyway. You have perfectly demonstrated how idiotic these blanket EU-level policies are as they take no consideration…
As I wrote above, the proposed (!) regulation would be based on the national housing stock. So if you are in Finnland, the energy efficiency of your house would be compared to other finish houses, not a house in Germany. Which is the definition of "considering local situations". Also, a quick check reveals that only about 14% of the Finish population lives in rural areas [1]. Even if every single one of those persons…
If you don't think binding 5% of the entire country's budget for 10 years into upgrading old houses is an manic proposition I think we can safely agree there isn't a way for us to see this from the same angle and we can agree to disagree on this topic.