Dotacje i pożyczki na termomodernizację

Finansowanie ocieplenia, poprawy ogrzewania i innych prac zmniejszających zużycie energii w budynku. Część programów wspiera pojedyncze prace, a inne kompleksową modernizację.

Możliwości finansowania (54)

Dotacje i ulgi podatkowe

Boiler Upgrade Scheme

OfgemAnglia, WaliaDotacja

An upfront grant for property owners replacing fossil-fuel or electric heating with an eligible heat pump or, in limited cases, a biomass boiler in England or Wales.

Po angielsku

BEG municipal grant (464)

KfWNiemcyDotacja

Grants for German municipalities and municipal associations completing whole-building energy renovations or buying freshly renovated efficient buildings.

Po angielsku

Varmepumpepuljen

Danish Energy AgencyDaniaDotacjazamyka się 30 lis 2026

A Danish grant for owners replacing oil, gas, electric or biomass heating in a year-round home with an eligible heat pump.

Po angielsku

Warmer Homes Scotland

Scottish GovernmentSzkocjaDotacja

Funded heating and insulation improvements for eligible Scottish households struggling to heat their homes, with all costs covered in most cases.

Po angielsku

Coup de pouce Chauffage

French StateFrancjaDotacja

Financial help for owners and tenants in France to replace fossil-fuel heating, paid by participating energy sellers and other charter signatories.

Po angielsku

Home insulation subsidy

Gemeente DeventerHolandiaDotacjado 1,5 tys. EUR

A grant for owner-occupiers in Deventer to insulate poorly insulated homes with a WOZ value below €477,000, including contractor-installed floor insulation.

Po angielsku

Pożyczki i inne finansowanie

Residential building retrofit loan

KfWNiemcyPożyczkado 150 tys. EUR

A loan of up to €150,000 per dwelling for a whole-building energy retrofit or the purchase of a newly retrofitted German home, with part of the debt written off.

Po angielsku

Green property loan

HandelsbankenSzwecjaPożyczka

Loans for companies and housing associations financing qualifying commercial or multifamily buildings, including new construction and energy-performance improvements.

Po angielsku

Green investment loan

SBABSzwecjaPożyczka

Loans for property companies adding insulation, installing solar panels or making other energy and environmental improvements.

Po angielsku

Energy loan

SwedbankSzwecjaPożyczka

Loans for companies and housing associations reducing energy use in their property or installing solar panels.

Po angielsku

Energy saving loan

Nationaal WarmtefondsHolandiaPożyczka1–29 tys. EUR

A €1,000–€29,000 loan for owner-occupiers improving the energy performance of an existing home in the Netherlands.

Po angielsku

Mijn VerbouwLening

Flemish GovernmentFlandriaPożyczka

A low-interest renovation loan for income-qualified owner-occupiers, private landlords, nonprofit organizations, cooperatives and co-owner associations in Flanders.

Po angielsku

Municipal energy-renovation loan (264)

KfWNiemcyPożyczka

Loans for German municipalities renovating buildings, with possible debt reduction for whole-building work or supplementary borrowing alongside an approved grant for individual improvements.

Po angielsku

Green mortgage top-up loan

StabeloSzwecjaPożyczka

Existing mortgage borrowers can borrow for home energy improvements with a 0.20 percentage-point interest discount on the amount used for eligible work.

Po angielsku

Green energy loan for your home

HandelsbankenSzwecjaPożyczkado 250 tys. SEK

Borrow without collateral for home energy improvements, charging equipment and protection against floods or heat, if at least one borrower has a Handelsbanken mortgage.

Po angielsku

Solar panel loan

Swedbank ASEstoniaPożyczka3–30 tys. EUR

Homeowners can borrow €3,000–€30,000 without collateral for solar panels, heat pumps, wind turbines or energy storage at a property they own in Estonia.

Po angielsku

Solar panel loan

AS SEB PankEstoniaPożyczkado 40 tys. EUR

A consumer loan for individuals buying and installing solar panels, with up to €25,000 when applying alone or €40,000 with a co-applicant.

Po angielsku

Home energy efficiency loan

Swedbank ASEstoniaPożyczka20 tys. EUR i więcej

Borrow from €20,000 for house renovations such as insulation and heating upgrades, using the house being renovated as security.

Po angielsku

Solar panel loan

Swedbank ASŁotwaPożyczka3–30 tys. EUR

Borrow without pledging your property to buy and install solar panels, batteries, heat pumps or wind generators for your home.

Po angielsku

Home energy-efficiency loan

Swedbank ASŁotwaPożyczka20 tys. EUR i więcej

A property-secured loan for homeowners improving an existing private house with insulation, heat-recovery ventilation or more efficient windows and doors.

Po angielsku

GEFF home energy renovation loan

NLB BankaCzarnogóraPożyczkado 50 tys. EUR

Borrow for approved insulation, windows, heating or solar technologies in a home, with a conditional GEFF incentive after installation and verification.

Po angielsku

Future-proof home loan

Gemeente EdeHolandiaPożyczka2,5–30 tys. EUR

Borrow for insulation, solar panels or eligible heat pumps in an existing home you own and live in in Ede.

Po angielsku