***
**Does the lender provide incentives for loans with positive impact(s)?**
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## Assessment Instructions
Intent: What is the purpose of this indicator?
The focus is on lender activity to provide loan incentives to collateral delivering positive environmental impact(s). Please describe loan attributes and provide documented evidence of the available product(s).
Input: How do I complete this indicator?
Select Yes or No. If Yes, please select all applicable checkboxes.
**Other:** Answers provided under 'Other' must be outside the options listed in the indicator to be valid. State loan-related incentive.
### **Terminology**
**Debt coverage ratio**
> Measure of the cash flow available to pay current debt obligations.
**Interest rate**
> Annual percentage of the outstanding loan the borrower pay to the lender as the cost of borrowing.
**Loan proceeds**
> Net amount distributed by a lender to the borrower under the terms of the loan agreement.
**LTV ratio**
> Expresses the ratio of a loan value to the value of the property.
Validation: What evidence is required?
#### Evidence
Supporting evidence is mandatory via either hyperlink OR document upload. Evidence provided must clearly demonstrate each of the selected criteria, or will be deemed invalid.
**Hyperlink:** If providing a hyperlink, please ensure the relevant page is accessible within two steps.
**Document upload:** Participants may upload several documents to support each answer. When providing a document upload, it is mandatory to indicate where relevant information can be found within the document.
Evidence may include but are not limited to:
* Prospectus that outlines specific incentives;
* Internal document that notes applicable criteria to receive selected incentives.
#### **Other Answer**
State the other incentive that the lender provides for loans with positive impact(s).
Validation Basics
## Scoring
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Scoring: How does GRESB score this indicator?
The scoring of this indicator is equal to the fraction assigned to the selected option, multiplied by the total score of the indicator.
**Evidence:** The evidence is manually validated and assigned a multiplier, according to the table below. The evidence must support the validation requirements.
If any requirements are not met, the evidence may be partially accepted or not accepted depending on the level of alignment with the requirements.
| Validation status | Multiplier |
| ------------------ | ---------- |
| Accepted | 2/2 |
| Partially Accepted | 1/2 |
| Not Accepted | 0 |
**Other:** The 'Other' answer is manually validated and assigned a score which is used as a multiplying factor, as per the table below:
| Validation status | Score |
| ----------------- | ----- |
| Accepted | 1/1 |
| Not Accepted | 0 |
| Duplicate | 0 |
Scoring Basics
***
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