8.1 Adaptacja do zmian klimatu

Applicant types

Municipality, Public body, SME, Large company, Other

Purpose

Energy, environment, infrastructure

R&D relevance

0 of 3

Poland eligible

Yes

Country limit

Poland

Region

Any

Consortium

Unclear

Readiness level (TRL)

—

Topics

• Climate adaptation
• Green-blue infrastructure
• Stormwater management
• Depaving

Machine-classified from the call text; check eligibility at the source. 23 Oct 2026

Typed facts extracted from the source documents by Scindu's grant-data review. Each value keeps its own conditions. Unknown means unstated, not zero or unlimited.

Applicant type

The loan call notice lists: local-government units and their unions, plus entities providing public services in the performance of local-government own tasks; commercial-law companies and state legal persons; housing cooperatives and housing communities. The notice does not list state budgetary units.

Application restriction

This review is limited to the exact loan call 28/NC/UR/8.1/2026/adaptacja_pożyczka. The loan notice schedules applications from 1 October 2026 through 30 September 2034 or until allocation is exhausted. The exact current catalogue row has status open as of 22 October 2026 but records a 30 June 2034 end date, so the catalogue and call notice dates conflict; the page does not authenticate live GWD submission or remaining funds.

Application restriction

The programme’s access criteria cover filing within the advertised period in the prescribed form with complete, properly signed materials; beneficiary-category eligibility; no applicant-caused NFOŚiGW contract termination in the preceding three years (except mutual termination); compliance with public and civil obligations; project-purpose/type and form/intensity conformity; no completion before filing; and conformity of the implementation and disbursement period. Type-specific criteria also apply. This source review does not establish whether any individual applicant satisfies them.

Application restriction

For project types §7.5.1 or §7.5.2 other than channel/near-channel retention, the application should include listed final administrative decisions if required and obtained. The absence of a required decision before submission does not itself prevent filing or cause rejection; the decision may still be necessary to implement the investment.

Application restriction

Where requested loan support is lower than the project total cost, the required-attachments list calls for evidence that all financing sources are balanced, such as lender/financier promises or contracts, budget documents, account statements or equity documents, depending on the funding source.

Application restriction

For project type §7.5.1 actions, except projects undertaken by housing communities or cooperatives, the programme requires the project to derive from governmental, supra-regional, regional or other strategic/planning documents. The required-documents list specifies the source document; criterion §8.12(a) requires the applicant’s declaration. This condition is not applied here to other project types.

Application restriction

For §7.5.1(b) channel or near-channel retention, the application must include a final environmental decision and a water permit.

Eligible project scope

The 2026 loan notice covers: climate adaptation, including green-blue infrastructure, removal of impermeable surfaces, sustainable rainwater systems and storm-water drainage (the drainage build is permitted only when other adaptation actions are also planned), water-retention structures, and channel/near-channel retention including river-course renaturalisation, oxbow-lake revitalisation and wetland restoration; drinking-water supply infrastructure; remediation of failures and environmental hazards at environmental/water-management facilities; planning/strategic tools for climate-risk analysis; specialist rescue/hazard equipment; and climate-adaptation projects financed from foreign sources.

Other condition

The programme permits conditional partial forgiveness (subject to NFOŚiGW funding rules) only for loans to an individual local-government unit or its union, or a public-service company at least 70% owned by such local-government entities, for wastewater or climate-adaptation/environmental-hazard projects: up to 50% of disbursed loan if the applicable G indicator is below 1200, or up to 30% if it is at least 1200, capped at PLN 5 million. The highest relevant G indicator among the communes in the county/voivodeship or company/union governs. This is not a general automatic discount.

Other condition

Interest is variable, paid currently in quarterly periods; the first payment falls at the end of the calendar quarter following the quarter in which the first tranche is disbursed. Where multiple special rate categories apply, the beneficiary chooses the rate.

Other condition

The financing term is counted from the date of the first planned loan tranche to the date the last instalment is repaid.

Other condition

The exact catalogue row combines the 28/NC/UR/8.1/2026 loan identifier with the 29/NC/UR/8.1/2026 grant identifier, and its action_types array says Dotacja. Its linked official page, title and archived call package identify the loan product. This packet therefore records loan terms only; grant terms are not attributed to this route.

Other condition

Loan amount, scope, schedule, disbursement, financing period, grace period, repayment schedule, financing structure and security may be negotiated. A signed negotiation specification does not itself obligate NFOŚiGW to provide funding; the binding commitment arises only when the written funding agreement is signed.

Other condition

The programme’s §7.4 beneficiary list additionally includes state budgetary units whose statutory tasks include environmental protection, while the exact loan call notice omits them. This packet preserves the source difference and does not determine whether that additional programme category can apply to this call.

Other condition

The October 2026 priority programme states an overall budget up to PLN 1.25 billion, including PLN 50 million for non-repayable forms and PLN 1.2 billion for repayable forms. The current loan notice identifies up to PLN 1.2 billion for repayable forms; neither figure is an individual applicant cap.

Call allocation

PLN 1,200,000,000

Call allocation, not a per-beneficiary or per-project maximum. The programme separately states total PLN 1.25bn, including PLN 50m non-repayable and PLN 1.2bn repayable; this packet records only the exact loan call’s PLN 1.2bn allocation.

Eligible cost

The programme allows eligible costs incurred from 1 January 2021 through 31 December 2035, assessed under NFOŚiGW’s Eligible-Cost Guidelines, subject to the programme’s own restrictions and any applicable foreign-programme rules.

Eligible cost

Under the incorporated general guidelines, employee remuneration for staff engaged in the project may be eligible only where the position description or duties expressly identify project tasks, and only in proportion to project work versus other duties. The guidelines list gross pay and specified employer statutory costs as potentially eligible. There is no project-specific role list, salary rate or headcount in the call documents.

Eligible cost

For adaptation projects financed from foreign sources, eligible-cost rules follow the rules applicable to those sources; the NFOŚiGW loan may finance expenditures that are ineligible under the foreign programme, except for fixed assets acquired through leasing. The exact foreign programme and its cost guide are not identified in this route packet.

Eligible cost

Bonuses or awards other than jubilee awards may be eligible only if all three cumulative conditions are met: they are provided by the beneficiary’s work/remuneration rules or other applicable labour rules; introduced at least six months before the funding application; and potentially cover all beneficiary employees under the same award rules for project and non-project staff.

Eligible cost limit

3 % of eligible project costs

Project-management costs are restricted to investor supervision only; expenses above this cap are ineligible.

Funding intensity

100 % of eligible costs

Maximum loan intensity. Actual amount is subject to eligible costs, call allocation, NFOŚiGW assessment, state-aid rules where applicable and agreed loan conditions.

Ineligible cost

Indirect costs are treated as ineligible by the general guidelines unless the priority programme or contract provides otherwise. This programme’s express management-cost exception is limited to investor supervision under §6(2)(a).

Ineligible cost

The guidelines exclude civil-law contract remuneration for project tasks where the same person is funded under project-management costs and/or their employment duties already include implementing the project.

Ineligible cost

Acquisition of fixed assets through leasing is ineligible under the programme. For foreign-funded adaptation projects, the programme permits loan financing of expenditures that are not eligible under the foreign programme, but keeps the leasing exclusion.

Ineligible cost

The guidelines exclude PFRON employer payments, ZFŚS-funded benefits, civil-liability insurance for public officers for damage caused while exercising public authority, jubilee awards and severance pay. Optional contributions not required by national law are excluded unless all three cumulative §3.3 tests are met: provided in beneficiary work/remuneration rules or other applicable labour rules; introduced at least six months before application; and potentially covering all employees under the same rules. ZFŚS treatment remains internally conflicting: §3.3 lists employer ZFŚS write-offs among examples of potentially eligible employer costs, while §3.3/§4.2 exclude ZFŚS-funded benefits/write-offs; this packet does not resolve that conflict.

Grace period, maximum

18 months after project completion

A capital-repayment grace period may be used; measured from the final tranche to first principal payment, capped at 18 months after project completion.

Loan interest, minimum

2 % annual minimum floor

For projects financed under FEnIKS 2021–2027 or FEPW 2021–2027; variable formula WIBOR 3M minus 100 bp, minimum 2.0%. If more than one special rule (b)–(d) applies, the beneficiary chooses the rate.

Loan interest, minimum

1.5 % annual minimum floor

For projects implemented by “green communes” and “park communes”; variable formula WIBOR 3M minus 50 bp, minimum 1.5%, subject to §7.3(3)(c)–(d).

Loan interest, minimum

1 % annual minimum floor

For beneficiaries in communes where a national park or nature reserve was created or expanded from 2024; variable formula WIBOR 3M minus 100 bp, minimum 1.0%, subject to §7.3(3)(d).

Loan interest, minimum

2 % annual minimum floor

Variable rate formula: WIBOR 3M, with 2.0% annual minimum, subject to special categories in §7.3(3)(b)–(d). This is a floor, not the current interest quote.

Loan principal, minimum

PLN 50,000

Only project type §7.5.4 (planning/strategic climate-risk tools); does not set a maximum.

Loan principal, minimum

PLN 100,000

For project types §7.5.1–7.5.3 and §7.5.5–7.5.6; does not set a maximum.

Loan term, maximum

300 months from first planned tranche to final repayment

Only justified cases arising from project or beneficiary specificity; 25 years is an exceptional ceiling, not an automatic term.

Loan term, maximum

180 months from first planned tranche to final repayment

Ordinary maximum period; justified exceptions may use a longer period up to 25 years.

• Other role

  Staff cost the grant can fund

  Conditional generic personnel-cost category under the currently applicable NFOŚiGW cost guidelines, subject to the programme’s cost period and limitations. The job description/duties must explicitly identify project tasks and cost is apportioned by the employee’s project-task share. Potential components are gross pay and employer costs under applicable law. This does not establish a particular hire, salary, headcount, or rate. Where activities are project management, the programme limits eligible management costs to investor supervision capped at 3% of eligible project costs.

• Archived 7z package member: Call notice — Adaptacja loan

  gov.pl

• NFOŚiGW Guidelines on Eligible Costs (current publication attachment)

  gov.pl

• NFOŚiGW publication page for eligible-cost guidelines

  gov.pl

• NFOŚiGW: 2026 continuous call, Adaptation to Climate Change, Part 1 — loan

  gov.pl

• NFOŚiGW programme page: Adaptation to Climate Change

  gov.pl

• Priority Programme: Adaptation to Climate Change, Part 1 (October 2026)

  gov.pl

Opens

1 Oct 2026

Provider

NFOŚiGW · Adaptacja do zmian klimatu

Source

gov.pl

Checked

24 Oct 2026

Review status

Partial review

Independent QA

No published hold

Reviewed

23 Oct 2026