Apoios e empréstimos para a renovação energética

Financiamento para isolamento, aquecimento mais eficiente e outras obras que reduzem o consumo de energia de um edifício. Alguns apoios abrangem intervenções específicas; outros, uma renovação integral.

Oportunidades de financiamento (54)

Subsídios e incentivos fiscais

Boiler Upgrade Scheme

OfgemInglaterra, País de GalesSubsídio

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.

Em inglês

BEG municipal grant (464)

KfWAlemanhaSubsídio

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

Em inglês

Varmepumpepuljen

Danish Energy AgencyDinamarcaSubsídioencerra 30/11/2026

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

Em inglês

Warmer Homes Scotland

Scottish GovernmentEscóciaSubsídio

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

Em inglês

Coup de pouce Chauffage

French StateFrançaSubsídio

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

Em inglês

Home insulation subsidy

Gemeente DeventerPaíses BaixosSubsídioaté 1,5 mil 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.

Em inglês

Empréstimos e outros financiamentos

Residential building retrofit loan

KfWAlemanhaEmpréstimoaté 150 mil 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.

Em inglês

Green property loan

HandelsbankenSuéciaEmpréstimo

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

Em inglês

Green investment loan

SBABSuéciaEmpréstimo

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

Em inglês

Energy loan

SwedbankSuéciaEmpréstimo

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

Em inglês

Energy saving loan

Nationaal WarmtefondsPaíses BaixosEmpréstimo1–29 mil EUR

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

Em inglês

Mijn VerbouwLening

Flemish GovernmentFlandresEmpréstimo

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

Em inglês

Municipal energy-renovation loan (264)

KfWAlemanhaEmpréstimo

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

Em inglês

Green mortgage top-up loan

StabeloSuéciaEmpréstimo

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

Em inglês

Green energy loan for your home

HandelsbankenSuéciaEmpréstimoaté 250 mil 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.

Em inglês

Solar panel loan

Swedbank ASEstôniaEmpréstimo3–30 mil 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.

Em inglês

Solar panel loan

AS SEB PankEstôniaEmpréstimoaté 40 mil 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.

Em inglês

Home energy efficiency loan

Swedbank ASEstôniaEmpréstimo20 mil EUR ou mais

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

Em inglês

Solar panel loan

Swedbank ASLetôniaEmpréstimo3–30 mil EUR

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

Em inglês

Home energy-efficiency loan

Swedbank ASLetôniaEmpréstimo20 mil EUR ou mais

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

Em inglês

GEFF home energy renovation loan

NLB BankaMontenegroEmpréstimoaté 50 mil EUR

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

Em inglês

Future-proof home loan

Gemeente EdePaíses BaixosEmpréstimo2,5–30 mil EUR

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

Em inglês