The aim of this study is to evaluate current policies and suggest the way of overcome financial impediments to the energy efficiency function of residential buildings. Based on this analysis the paper enumerates policy recommendations for enhancing how energy efficiency is addressed in building codes and other policies for residential buildings. For achieving this goal, this study conducts the cost-benefit analysis to measure total energy savings and associated total cost. The results of study shows that the cost is greater than the benefit from 1st to 4th year but the benefit will be greater than the cost for the rest of the year. In addition, this study designs a financial support method and an implementation mechanism. Investment from the capital market will take place with the government's interest subsidy. Home retrofit will be undertaken with low interest rate with 2.5% and the return will be paid by a monthly energy bill. The results of this study provides some useful insights for the policy design, including the importance of developing information tools for providing appropriate information to households.