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Apoios à reabilitação energética em Polónia

Descubra todos os subsídios, empréstimos e créditos fiscais disponíveis em Polónia para reabilitar a sua habitação.

7 dispositivosNFOŚiGW (Narodowy Fundusz Ochrony Środowiska i Gospodarki Wodnej)Reference updated on 20 de maio de 2026

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The calculator applies all Polónia schemes below to your personal situation.

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Clean Air

Ativo
NFOŚiGWSubsídio

Obras elegíveis

Bomba de calor ar-águaBomba geotérmicaCaldeira biomassaSalamandra a pelletsIsolamento exteriorIsolamento da coberturaIsolamento pavimentoSubstituição janelas+5

Montantes

  • 40% · cap PLN 66.000 · Base level: 40% of costs, ceiling PLN 66,000. Household annual income ≤ PLN 135,000. (Intermédio)
  • 70% · cap PLN 99.000 · Enhanced level: 70% of costs, ceiling PLN 99,000. Monthly income ≤ PLN 2,250 (multi) / PLN 3,150 (single). (Modesto)
  • 100% · cap PLN 135.000 · Highest level: 100% of costs, ceiling PLN 135,000. Monthly income ≤ PLN 1,300 (multi) / PLN 1,800 (single). (Muito modesto)
  • PLN 1.200 · Energy audit bonus
Conditions: Owner/co-owner of a single-family house or separate dwelling. Highest level: energy demand > 140 kWh/m²/yr before works. 3-year ownership requirement removed for 2026. Gas boilers excluded.
2026 changes: From 31/03/2026, energy audit mandatory at all levels; 'bon na audyt' (PLN 1,200 net + VAT) paid upfront from April 2026; electric heating aid removed; launch of recommended contractor list (Q2 2026).

My Electricity — 6th edition

Fechado
NFOŚiGWSubsídio

Obras elegíveis

FotovoltaicoArmazenamento bateriaBMS

Montantes

  • 50% · cap PLN 7.000 · PV 2–20 kW: 50% of qualified costs, max PLN 7,000
  • 50% · cap PLN 16.000 · Electric storage: 50%, max PLN 16,000
  • 50% · cap PLN 5.000 · Thermal storage: 50%, max PLN 20/dm³, ceiling PLN 5,000
Conditions: Eligible expense period: 01/08/2024 – 31/10/2025. PV alone insufficient — mandatory storage coupling (≥ 2 kWh electric or ≥ 20 dm³ thermal). Programme closed: final call 30/03 to 08/05/2026.

My Heat

Ativo
NFOŚiGWSubsídio

Obras elegíveis

Bomba de calor ar-águaBomba de calor ar-arBomba geotérmicaBomba água-água

Montantes

  • 30% · cap PLN 21.000 · Geothermal heat pump: 30%, max PLN 21,000
  • 45% · cap PLN 21.000 · Geothermal heat pump + Large Family Card: 45%
  • 30% · cap PLN 7.000 · Air/water or air/air heat pump: 30%, max PLN 7,000
Conditions: Beneficiary = owner of a new house (no completion notification at application date). EP indicator ≤ 55 kWh/m²/yr. Permanent ban on solid fuel heat sources. Not combinable with Czyste Powietrze on the same heat pump.

Stop Smog

Ativo
NFOŚiGW / BGK / GminySubsídio

Obras elegíveis

Bomba de calor ar-águaCaldeira biomassaLigação rede calorIsolamento exteriorIsolamento da coberturaFotovoltaico

Montantes

  • 70% · cap PLN 53.000 · State funds up to 70% of investment; average ceiling PLN 53,000 / building (Muito modesto)
Conditions: Municipality must be located in an area with regional anti-smog resolution, sign agreement with NFOŚiGW. Modest-income owner-occupiers only. Programme budget PLN 698M (2019-2028).

Thermal Modernisation Bonus (TERMO programme)

Ativo
BGK (Bank Gospodarstwa Krajowego)Subsídio

Obras elegíveis

Renovação integralIsolamento exteriorIsolamento da coberturaBomba de calor ar-águaVentilação duplaFotovoltaico

Montantes

  • 26% · Base bonus: 26% of cost
  • 31% · With RES component ≥ 10% of total cost: 31%
  • 10% · +10% grant for deep and complete renovation of multi-family building
Conditions: Beneficiaries: municipalities, cooperatives, TBS, SIM, condominiums, single-family owners, district heating operators. Bank loan covering ≥ 50% of cost. 2026 budget: PLN 331M.

Warm Apartment

Ativo
NFOŚiGW / WFOŚiGW / GminySubsídio

Obras elegíveis

Bomba de calor ar-águaCaldeira biomassaLigação rede calorFotovoltaicoSubstituição janelasSubstituição portas

Montantes

  • 30% · cap PLN 16.500 · Households income ≤ PLN 135,000/yr: 30%, max PLN 16,500/dwelling (Intermédio)
  • PLN 375.000 · Co-ownerships 3–7 dwellings: up to PLN 375,000
Conditions: Owners of dwellings in multi-family buildings and small co-ownerships (3–7 dwellings). Windows/doors eligible only if solid fuel sources are removed. Budget PLN 1.75B; 886 participating municipalities.

Thermal modernisation tax deduction

Ativo
Ministerstwo FinansówDedução fiscal

Obras elegíveis

Isolamento exteriorIsolamento da coberturaBomba de calor ar-águaCaldeira biomassaSubstituição janelasFotovoltaicoVentilação dupla

Montantes

  • PLN 53.000 · Ceiling PLN 53,000 per taxpayer (deduction from PIT base)
Conditions: Deduction from PIT tax base for single-family homeowners. Combinable with Czyste Powietrze excluding double-funding.

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