Subsidy (Thermal rehabilitation grants)

Updated: 07.01.2018

Author: Krzysztof Ignaciuk

The thermal rehabilitation grant scheme supports building renovations which increase energy efficiency or the use of renewable energy sources for heating purposes. Lenders may receive grants to pay off part of the loan taken out to implement such measures.

Eligible measures shall reduce a building's annual energy demand, annual energy losses or annual costs of heat production or replace existing heat generation plants with renewable or high-efficiency CHP plants (Art. 3 Act on Thermal Rehabilitation).

Eligible technologies

In general, all renewable energy sources used in heat generation are eligible (Art. 3 par. 4 Act on Thermal Rehabilitation).

Aerothermal energy


Hydrothermal energy




Geothermal energy




Solar thermal energy



The amount of grant is equal to 20% of the loan received for the implementation of thermal rehabilitation undertakings. However, the subsidy may not exceed 16% of the total costs of the modernisation work and may not exceed twice the amount of the anticipated annual savings in energy costs, which were identified through an energy audit (Art. 5 Act on Thermal Rehabilitation).


The owner or manager of the building in which refurbishment works are conducted (Art. 7 par. 1 in conjunction with Art. 2 no. 1 Act on Thermal Rehabilitation).


Process flow

  • Application. The investor submits an application for a subsidy to the BGK (Bank Gospodarstwa Krajowego) via the lending bank (Art. 12 par. 2 Act on Thermal Rehabilitation). 
  • Credit agreement. The lending bank passes the application and the credit agreement to the BGK (Art. 12 par. 3 Act on Thermal Rehabilitation). 
  • Decision. The BGK examines the applications for subsidies in the order in which they were received. The BGK informs both the investor and the lending bank on the decision of whether or not a subsidy has been granted. If the decision is positive, the BGK also specifies the amount of the subsidy (Art. 17 Act on Thermal Rehabilitation). 
  • Subsidy transfer. The BGK transfers the grant to the lending bank only if the works have been conducted in accordance with the project plan and have been completed by the date specified in the loan agreement (Art. 19 par. 1 Act on Thermal Rehabilitation). The lending bank uses the grant to cover part of the loan taken out by the investor (Art. 19 par. 2 Act on Thermal Rehabilitation).

Competent authority

Grants are awarded by BGK (Bank Gospodarstwa Krajowego – Polish state-owned bank) and financed from the Fund for Thermal Rehabilitation and Refurbishments (Art. 12 par. 1 Act on Thermal Rehabilitation).

Distribution of costs


The costs of the thermal rehabilitation subsidy are financed from the national budget (Art. 24 Act on Thermal rehabilitation).



Further information

Basic information on legal sources