EKO Pożyczka Refundacyjna
WFOŚiGW Szczecin · National call
Summary
Not an R&D or investment call a Polish company can use, by Scindu's rule.
Preferential reimbursement loans support individual homeowners undertaking eligible heating, solar, storage, asbestos removal and thermal renovation investments in Zachodniopomorskie.
- Who can apply
- Companies cannot apply: individual.
- Amount
- Budget not stated
- Deadline
- No deadline
- Status
- Openopened 29 Jan 2026
Machine-classified from the call text; check eligibility at the source.
Description
The description is on the provider's page.
Who can apply, in detail
- Applicant types
- Individual
- Purpose
- Energy, environment, infrastructure
- R&D relevance
- 0 of 3
- Poland eligible
- Yes
- Country limit
- Zachodniopomorskie Voivodeship, Poland
- Region
- zachodniopomorskie
- Consortium
- Single applicant
- Readiness level (TRL)
- —
- Topics
- Residential thermal renovation
- Heating and ventilation
- Solar photovoltaics
- Energy storage
- Asbestos removal
Machine-classified from the call text; check eligibility at the source. 24 Oct 2026
Conditions
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
- Where marital community property applies, spouse signature/consent is required.
- Applicant type
- Natural persons; page describes simplified intake directed to natural persons.
- Applicant type
- Natural person owning or co-owning a residential house or apartment in a single-family building.
- Eligible geography
- Investment property must be located in the West Pomeranian Voivodeship.
- Eligible project scope
- Preferential refunding loans to residents of West Pomerania for listed environmental investments: heat and ventilation, PV/storage, asbestos removal/roof replacement, and building thermal renovation.
- Other condition
- Total public funding and energy-efficiency aid for the same scope may not exceed 100% of eligible costs.
- Other conditionProject durability period
- Three-year durability period from project completion.years after project completion
- Other conditionLoan documentation retention
- Retain documents at least five years after loan repayment, or for any longer period required by law.years after full repayment
- Other conditionNegative loan/payment/amendment decision
- Negative loan/payment/amendment decision — Request for reconsideration must include reasons; Fund has up to 30 calendar days to respond, extendable with notice; outcome final within programme procedure.calendar days from decision receipt
Request for reconsideration must include reasons; Fund has up to 30 calendar days to respond, extendable with notice; outcome final within programme procedure.
- Other conditionApplication corrections
- Application corrections — WFOŚiGW may request clarification or supplementation; review clock extends by time for supplement.business days from notice receipt
WFOŚiGW may request clarification or supplementation; review clock extends by time for supplement.
- Other condition
- Application is generated from the five-step interactive form; attach required documents and submit separately.
- Other condition
- The generated application is not submitted through the form; submit a signed PDF through the stated delivery channels.
- Other conditionBorrower eligibility for this loan product
- Eligible borrowers must be no older than 70 on the date the loan obligation is repaid.
The threshold is assessed on the repayment date, not at application or signature, and is distinct from loan maturity length. This clause does not establish a waiver or co-borrower exception.
- Other conditionLoan eligibility
- Loan eligibility — Positive creditworthiness assessment is required; final collateral forms/value are set by Fund after creditworthiness review.boolean condition
Positive creditworthiness assessment is required; final collateral forms/value are set by Fund after creditworthiness review.
- Other conditionDurability
- Durability — Maintain project for at least 3 years after completion; Fund may inspect during this period.years from project completion
Maintain project for at least 3 years after completion; Fund may inspect during this period.
- Other conditionConditional remission
- Conditional remission — Any early repayment removes the right to apply for remission.boolean condition
Any early repayment removes the right to apply for remission.
- Other conditionVAT eligibility
- VAT eligibility — VAT is eligible only where beneficiary has no legal right to deduct or recover it.boolean condition
VAT is eligible only where beneficiary has no legal right to deduct or recover it.
- Other conditionEligible expense boundary
- Eligible expense boundary — Only costs and unit/package maxima in Annex 2 are eligible; amounts above the applicable listed ceiling are financed only up to that ceiling. VAT qualifies only if legally non-deductible and non-recoverable.scope-limiting catalogue; not a single amount
Only costs and unit/package maxima in Annex 2 are eligible; amounts above the applicable listed ceiling are financed only up to that ceiling. VAT qualifies only if legally non-deductible and non-recoverable.
- Other conditionPre-award expense date
- Pre-award expense date — Only costs incurred from application filing date are eligible; projects completed before filing are excluded.boolean condition
Only costs incurred from application filing date are eligible; projects completed before filing are excluded.
- Other condition
- Income evidence is required according to the applicant’s income source; examples are employment, pension, business, farm and other income documents.
- Other conditionLoan application review
- Loan application review — Clock extends by time required to supplement; in justified cases applicant has 10 business days from request to clarify/supplement.business days from filing
Clock extends by time required to supplement; in justified cases applicant has 10 business days from request to clarify/supplement.
- Other condition
- Loan payment is made as reimbursement of incurred costs after completion of a stage or of the whole project.
- Other condition
- Proof of ownership is conditionally required when the ownership is not visible in the land and mortgage register.
- Other conditionDisbursement review
- Disbursement review — Incomplete supplementation within requested deadline can cause negative assessment and contract termination.calendar days from request filing
Incomplete supplementation within requested deadline can cause negative assessment and contract termination.
- Other conditionCumulative public funding
- The application declaration caps aggregate public funding sources for the same project, including this Regulation and support under Energy Efficiency Act Article 15a, at 100% of eligible project costs. This scope is also represented by the distinct typed aggregate-public-funding-ceiling-typed fact; that field is not a loan-principal cap and does not imply a duplicate-cost ban.percent of eligible project costs
The eligible-cost denominator and all-public-sources aggregate scope are typed separately in aggregate-public-funding-ceiling-typed. Do not treat this fact as proposal-only.
- Other conditionRecords
- Records — Keep all loan/project documents for legally required tax-record period and no less than 5 years after loan repayment.years after loan repayment
Keep all loan/project documents for legally required tax-record period and no less than 5 years after loan repayment.
- Other condition
- No installment delay longer than 30 days (cumulative over the loan term) is allowed for remission; see exact Regulation and Annex 3.
- Other conditionRemission decision
- Remission application reviewed within 30 calendar days, subject to supplementation; decision by Fund Board.calendar days from receipt
Decision by Fund Board; deadline extends while supplementing application.
- Other conditionLoan disbursement
- Loan disbursement — Refund after a completed stage or whole project; payout request and required attachments; maximum three tranches.tranches
Refund after a completed stage or whole project; payout request and required attachments; maximum three tranches.
- Other conditionLoan security
- Loan security — Blank promissory note required; additional art.777 declaration/mortgage may be required; original collateral evidence before tranche; borrower bears establishment/modification/release cost.boolean condition
Blank promissory note required; additional art.777 declaration/mortgage may be required; original collateral evidence before tranche; borrower bears establishment/modification/release cost.
- Other condition
- A blank promissory note is the stated baseline proposed security; additional security depends on principal bands and the Fund creditworthiness assessment.
- Project duration, maximumProject implementation period
- 18 months from application
Extension only on justified written addendum.
- Project duration, maximumImplementation period
- 18 months from application filing
Extension by up to 6 months only for justified case, written paid annex; Annex fee PLN400.
- Technical requirement, maximumMaximum particulate matter emissions for eligible biomass boiler
- 20 mg/m³
Applicable to listed wood-gasification or wood-pellet boilers; other applicable Annex 2 technical requirements also apply.
- Technical requirement, maximumCommercial-use share of supported building
- 30 percent of building floor area
More than 30% fails the form condition.
- Technical requirement, maximumPV microinstallation
- 20 kW electrical capacity
Supported PV range is 2–20 kW.
- Technical requirement, minimumEnergy storage eligible alongside PV
- 2 kWh capacity
Minimum capacity; the programme says PV and/or storage.
- Technical requirement, minimumPV microinstallation
- 2 kW electrical capacity
Supported PV range is 2–20 kW; this is the lower edge of that range.
Amounts and costs
- Call allocationStated programme budget
- PLN 5,000,000
Page-level budget; current uncommitted balance not verified.
- Eligible unit cost, maximumpompa ciepła powietrze/powietrze
- PLN 30,000
Maximum eligible amount per listed unit; subject to overall eligible-cost and loan ceilings.
- Eligible unit cost, maximumpompa ciepła powietrze/woda
- PLN 40,000
Maximum eligible amount per listed unit; subject to overall eligible-cost and loan ceilings.
- Eligible unit cost, maximumdemontaż, transport i unieszkodliwienie wyrobów zawierających azbest
- PLN 1,000
Maximum eligible amount per listed unit; subject to overall eligible-cost and loan ceilings.
- Eligible unit cost, maximumtransport i unieszkodliwienie wyrobów zawierających azbest
- PLN 700
Maximum eligible amount per listed unit; subject to overall eligible-cost and loan ceilings.
- Eligible unit cost, maximumocieplenie stropów/poddasza
- PLN 250
Maximum eligible amount per listed unit; subject to overall eligible-cost and loan ceilings.
- Eligible unit cost, maximuminstalacja c.o. i c.w.u.
- PLN 20,000
Maximum eligible amount per listed unit; subject to overall eligible-cost and loan ceilings.
- Eligible unit cost, maximumdrzwi
- PLN 2,500
Maximum eligible amount per listed unit; subject to overall eligible-cost and loan ceilings.
- Eligible unit cost, maximumogrzewanie elektryczne
- PLN 20,000
Maximum eligible amount per listed unit; subject to overall eligible-cost and loan ceilings.
- Eligible unit cost, maximumocieplenie podłóg
- PLN 200
Maximum eligible amount per listed unit; subject to overall eligible-cost and loan ceilings.
- Eligible unit cost, maximumbramy garażowe
- PLN 1,500
Maximum eligible amount per listed unit; subject to overall eligible-cost and loan ceilings.
- Eligible unit cost, maximumpompa ciepła gruntowa
- PLN 80,000
Maximum eligible amount per listed unit; subject to overall eligible-cost and loan ceilings.
- Eligible unit cost, maximummikroinstalacja fotowoltaiczna
- PLN 60,000
Maximum eligible amount per listed unit; subject to overall eligible-cost and loan ceilings.
- Eligible unit cost, maximumnowe pokrycie dachowe
- PLN 350
Maximum eligible amount per listed unit; subject to overall eligible-cost and loan ceilings.
- Eligible unit cost, maximummagazyn energii
- PLN 32,000
Maximum eligible amount per listed unit; subject to overall eligible-cost and loan ceilings.
- Eligible unit cost, maximumwentylacja z odzyskiem ciepła
- PLN 16,700
Maximum eligible amount per listed unit; subject to overall eligible-cost and loan ceilings.
- Eligible unit cost, maximumocieplenie ścian
- PLN 400
Maximum eligible amount per listed unit; subject to overall eligible-cost and loan ceilings.
- Eligible unit cost, maximumrekuperator ścienny
- PLN 2,000
Maximum eligible amount per listed unit; subject to overall eligible-cost and loan ceilings.
- Eligible unit cost, maximumokna
- PLN 1,200
Maximum eligible amount per listed unit; subject to overall eligible-cost and loan ceilings.
- Funding intensity, maximumAggregate support for the undertaking/project from all public funding sources under this Regulation plus energy-efficiency improvement aid under Article 15a of the Energy Efficiency Act, capped against eligible project costs.
- 100 percent of eligible project costs
Aggregate cap stated in the application declaration combines all public-source funding under this Regulation with energy-efficiency improvement support under Article 15a of the Energy Efficiency Act; the combined total must not exceed 100% of eligible project costs. This is not the programme loan-principal ratio and does not itself imply a duplicate-cost ban.
- Loan interest, fixed rateEKO Refund Loan rate stated on programme page
- 4.5 percent per year
Page describes low-interest loan at 4.5% per annum; linked loan agreement details not independently reviewed.
- Loan partial remission, maximum shareConditional partial remission at end of repayment
- 10 percent of outstanding loan balance after timely repayment of 90% of principal
Not 10% of original principal. Requires scheduled repayment, no delay over 30 days cumulatively, at least 90% principal repaid and completion on contractual deadline; early repayment removes entitlement; Fund Board decides.
- Loan principal, maximumMaximum individual EKO Refund Loan
- PLN 150,000
Subject also to 100% of eligible costs; actual credit subject to lender decision.
- Loan principal, maximum shareEKO Refund Loan principal ceiling
- 100 percent of eligible costs specified in Annex 2
Only Annex 2 eligible-cost values; PLN 150,000 absolute loan maximum; creditworthiness and security apply.
- Repayment required before remission, minimumMinimum principal repaid before remission consideration
- 90 percent of loan principal
At least 90% and timely; scheduled instalment and cumulative late-payment constraints and timely project completion also apply.
- Loan term, maximumEKO Refund Loan term
- 120 months from first tranche
Page gives term range of 5 to 10 years from date first tranche is paid.
- Loan term, minimumMinimum financing period
- 60 months
Fixed minimum; 10-year maximum is measured from first tranche and may be changed by creditworthiness review.
- Project cost, maximumThermal-modernization eligible costs
- PLN 100,000
Separate from equipment unit ceilings.
Source documents
- Załącznik 5 – Protokół odbioru
- Instrukcja składania wniosku
- Załącznik 2 – Wykaz kosztów kwalifikowanych
- Application form controller JS
- Załącznik 4 – Zaświadczenie o dochodach
- EKO Pożyczka Refundacyjna – official Szczecin programme page
- Załącznik 1 – Wniosek o płatność
- Regulamin udzielania pożyczek – EKO Pożyczka Refundacyjna
- Załącznik 3 – Wniosek o umorzenie pożyczki
Call facts
- Opens
- 29 Jan 2026
- Provider
- WFOŚiGW Szczecin
- Source
- wfos.szczecin.pl
- Checked
- 24 Oct 2026
- Review status
- Partial review
- Independent QA
- No published hold
- Reviewed
- 24 Oct 2026
This is a summary of the source page, not the official text. Eligibility, conditions and the submission system are at the source.