The document outlines Poland's various financing options for renovation and energy efficiency projects, including government programs, income tax reliefs, and EU structural funds. It details the Thermomodernization and Renovation Fund which provides financial aid through bonuses for energy-efficient renovations in residential and public buildings. Despite successes, barriers such as low social awareness and regulatory changes hinder further investments in energy efficiency.

1. Poland’s experience
with renovation
financing
www.fewe.pl

2. ➢ NFOSIGW programmes including Clean Air and My Electricity programms
➢ Income tax reliefs (PIT) from 2019 onwards
➢ Structural EU funds
✓ Infrastructure and Environment Programme
✓ Regional operational programmes
➢ Local (communal) programmes e.g. subsidies in Warsaw, Gdańsk, Katowice
➢ Companies of the ESCO type
➢ Investors' own funds
➢ Preferential and commercial loans (BGK – Bank Gospodarstwa Krajowego)
➢ European Local Energy Assistance (ELENA) projects, PolREFF (EBRD)
2
Financing sources for energy efficiency investments/projects

3. - Anti-smog regional regulations (eg. Kraków, Mazowsze, Śląsk)
- Low carbon action plans, SEAPs, SECAPs
- Assumptions for local plans of heat, electricity and gas fuels supply / Energy plans
- Low emission reduction plans – co-financing replacement of heating devices
- Local thermomodernization co-financing (eg. Tychy)
- Energy-saving housing estates, (eg. Eko-Natolin, Sielanka - „NF15 NF40” NFOŚiGW program)
- Energy menagament in minicipalities, City Engineer (eg. Częstochowa, Bielsko-Biała, Katowice)
- Air quality monitoring systems (eg. WIOŚ, Airly, Syngeos, City air quality monitoring – Katowice)
- Local Smog Alerts
- National Association “Respect for Energy and the Environment” (SAPE-POLSKA)
- ZAE, SCiAE
- Energy days in municipalities
- Euronet 50/50
3
Projects / initiatives – at regional level

4. EE support mechanisms
Energy efficiency certificates system, the so-called white
certificates, based:
• Energy efficiency Act - April 2011 r.
• Energy efficiency Act - May 2016 r.
Thermomodernization and renovation fund on the basis of:
• Act on supporting thermo-modernization projects -
December 1998
• Act on supporting thermo-modernization and renovation of
November 2008

5. Energy efficiency Act
– the exemplary role of the public sector (including public
procurement);
– Final energy savings of 1.5% are the obligation of energy companies:
natural gas;
electric energy;
district heat; (excluding sources up to 5MW and 5 MW of ordered power);
– white certificates system;
– mandatory energy audit of every large company (every 4 years);
It influences consumer and investment decisions throughout the
economy - each end-user pays (may not notice it) - active ones profit.

6. The regulations introduce definitions:
• thermomodernization project
• renovation project
• collective residence building, multi-family building
• local heating network, local heat source,
• energy audit, renovation audit
Thermomodernization and Renovation Fund
g

7. Thermomodernization and Renovation Fund
gThe main goal of the Thermomodernization and Renovation Fund
is financial aid for investors implementing thermomodernization
and renovation projects, and the payment of compensations for
owners of residential buildings in which there were
accommodation premises. Forms of assistance:
thermomodernization bonus, renovation bonus, compensation
bonus.

8. Forms of aid:
• thermomodernization bonus
• renovation bonus
• compensation bonus

9. Institutions providing the financial support
gBank Gospodarstwa Krajowego (BGK)
Other cooperating banks

10. Thermomodernization bonus
The following owners or managers may apply for project co-financing under the thermo-modernization bonus:
• residential buildings,
• collective residence buildings,
• public buildings owned by local government units used to perform public tasks,
• local heating networks,
• local heat sources.
Addressees of the program
• legal persons (including commercial companies),
• local government units,
• housing communities,
• private legal persons (including owners of single-family houses).

11. The amount of the thermo-modernization bonus is:
• 16% of the cost of a thermomodernization project,
• 21% of the cost of a thermo-modernization project along with the installation of
micro-installations of renewable energy sources (RES),
• additional support in the amount of 50% of the cost of strengthening a large-panel
building in the implementation of thermal modernization of buildings from the so-
called "Big plate" with their strengthening.
Thermomodernization bonus

12. The bonus is granted under conditions:
• As a result of the implementation of the project, the annual energy demand for
heating and hot water will be reduced by at least 25%.
• In buildings undergoing modernization only the heating system - by at least 10%.
Thermomodernization bonus

13. Renovation bonus
The owners or managers of multi-family buildings, the use of which began before August 14, 1961, may apply for
project funding under the renovation bonus.
Addressees of the program
• legal persons (including commercial companies),
• local government units,
• housing communities,
• private legal persons (including owners of multi-family houses).
The bonus is granted to:
• The project cost index is not lower than 0.05 and not higher than 0.7,
• As a result of the implementation of the project, the annual energy demand for heating and hot water will be
reduced by at least 10%,
• As a result of the project implementation, the annual demand for energy supplied for heating and hot water
multi-family buildings will be reduced by at least 25% - when the cost index of the renovation project exceeds 0.3

14. Necessary documents to receive financial support and other requirements
Renovation project
energy or renovation audit
application
It is only available to investors using the loan (minimum
50% of the project costs). It cannot be used by investors
who carry out a thermo-modernization project solely with
their own funds.

15. Verification
gCosts and scope compliance with the audit - checking the
invoices.
If the invoices does not complie to audit the bonus is cancel.

16. Results so far
g• over 44 thousand ventures
• over PLN 2.5 billion - value of granted bonus
• improvement quality of housing substance
• reduction of greenhouse gas emissions
• improvement of air quality

17. ➢ Relatively low (although still growing) social awareness in
this respect
➢ Lack of investors' own resources and complicated
mechanisms for supporting energy efficiency projects
➢ Frequent changes in the law discouraging potential
investors
➢ Not mature ESCO market
17
Barriers to energy efficiency growth in Poland

18. Thank you for your attention
Łukasz Polakowski
Project Manager
Polish Foundation For Energy Efficiency
🏦 Rymera 3/4, 40-048 Katowice
📱 +48 603 554 308
☎ +48 32 203 51 14 int. 22
📧 l.polakowski@fewe.pl
🌐 www.fewe.pl