The interior lining of a home envelope can affect mould growth. This work aimed at proposing the application of statistical modelling that allows predicting the formation of mould on standard solutions when the interior finishings vary. An experimental evaluation based on bio-hygrothermal simulations and a practical experiment was carried out, the results formed the database to be used in the proposal presented. The development of a statistical modelling of parameters that represent the characteristics of the finishing material, the underlying layer and the insulation position, can be used to predict the growth of mould, on a static calculation tool without resorting to dynamic biohygrothermal simulations for each variation of interior finishing.