EKO Pożyczka Refundacyjna

Cel

Wdrożenia i inwestycje

Znaczenie dla B+R

0 z 3

Polska kwalifikuje się

Tak

Ograniczenie krajów

—

Region

Dowolny

Konsorcjum

Niejasne

Poziom gotowości (TRL)

—

Tematy

• Environmental financing
• Reimbursement loans

Ocena maszynowa na podstawie tekstu naboru; warunki sprawdź u źródła. 23 paź 2026

Fakty wyodrębnione z dokumentów źródłowych w przeglądzie danych Scindu. Każda wartość ma własne warunki. Brak danych oznacza, że źródło nie podaje wartości, a nie zero ani brak limitu.

Typ wnioskodawcy

Where marital community property applies, spouse signature/consent is required.

Typ wnioskodawcy

Natural persons; page describes simplified intake directed to natural persons.

Typ wnioskodawcy

Natural person owning or co-owning a residential house or apartment in a single-family building.

Zasięg geograficzny

Investment property must be located in the West Pomeranian Voivodeship.

Zakres projektu

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.

Inny warunek

Total public funding and energy-efficiency aid for the same scope may not exceed 100% of eligible costs.

Inny warunekProject durability period

Three-year durability period from project completion.years after project completion

Inny warunekLoan documentation retention

Retain documents at least five years after loan repayment, or for any longer period required by law.years after full repayment

Inny warunekNegative 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.

Inny warunekApplication 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.

Inny warunek

Application is generated from the five-step interactive form; attach required documents and submit separately.

Inny warunek

The generated application is not submitted through the form; submit a signed PDF through the stated delivery channels.

Inny warunekBorrower 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.

Inny warunekLoan 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.

Inny warunekDurability

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.

Inny warunekConditional 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.

Inny warunekVAT 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.

Inny warunekEligible 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.

Inny warunekPre-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.

Inny warunek

Income evidence is required according to the applicant’s income source; examples are employment, pension, business, farm and other income documents.

Inny warunekLoan 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.

Inny warunek

Loan payment is made as reimbursement of incurred costs after completion of a stage or of the whole project.

Inny warunek

Proof of ownership is conditionally required when the ownership is not visible in the land and mortgage register.

Inny warunekDisbursement 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.

Inny warunekCumulative 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.

Inny warunekRecords

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.

Inny warunek

No installment delay longer than 30 days (cumulative over the loan term) is allowed for remission; see exact Regulation and Annex 3.

Inny warunekRemission 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.

Inny warunekLoan 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.

Inny warunekLoan 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.

Inny warunek

A blank promissory note is the stated baseline proposed security; additional security depends on principal bands and the Fund creditworthiness assessment.

Czas trwania projektu, maksimumProject implementation period

18 months from application

Extension only on justified written addendum.

Czas trwania projektu, maksimumImplementation period

18 months from application filing

Extension by up to 6 months only for justified case, written paid annex; Annex fee PLN400.

Wymóg techniczny, maksimumMaximum 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.

Wymóg techniczny, maksimumCommercial-use share of supported building

30 percent of building floor area

More than 30% fails the form condition.

Wymóg techniczny, maksimumPV microinstallation

20 kW electrical capacity

Supported PV range is 2–20 kW.

Wymóg techniczny, minimumEnergy storage eligible alongside PV

2 kWh capacity

Minimum capacity; the programme says PV and/or storage.

Wymóg techniczny, minimumPV microinstallation

2 kW electrical capacity

Supported PV range is 2–20 kW; this is the lower edge of that range.

Alokacja naboruStated programme budget

5 000 000 zł

Page-level budget; current uncommitted balance not verified.

Koszt jednostkowy kwalifikowalny, maksimumpompa ciepła powietrze/powietrze

30 000 zł

Maximum eligible amount per listed unit; subject to overall eligible-cost and loan ceilings.

Koszt jednostkowy kwalifikowalny, maksimumpompa ciepła powietrze/woda

40 000 zł

Maximum eligible amount per listed unit; subject to overall eligible-cost and loan ceilings.

Koszt jednostkowy kwalifikowalny, maksimumdemontaż, transport i unieszkodliwienie wyrobów zawierających azbest

1000 zł

Maximum eligible amount per listed unit; subject to overall eligible-cost and loan ceilings.

Koszt jednostkowy kwalifikowalny, maksimumtransport i unieszkodliwienie wyrobów zawierających azbest

700 zł

Maximum eligible amount per listed unit; subject to overall eligible-cost and loan ceilings.

Koszt jednostkowy kwalifikowalny, maksimumocieplenie stropów/poddasza

250 zł

Maximum eligible amount per listed unit; subject to overall eligible-cost and loan ceilings.

Koszt jednostkowy kwalifikowalny, maksimuminstalacja c.o. i c.w.u.

20 000 zł

Maximum eligible amount per listed unit; subject to overall eligible-cost and loan ceilings.

Koszt jednostkowy kwalifikowalny, maksimumdrzwi

2500 zł

Maximum eligible amount per listed unit; subject to overall eligible-cost and loan ceilings.

Koszt jednostkowy kwalifikowalny, maksimumogrzewanie elektryczne

20 000 zł

Maximum eligible amount per listed unit; subject to overall eligible-cost and loan ceilings.

Koszt jednostkowy kwalifikowalny, maksimumocieplenie podłóg

200 zł

Maximum eligible amount per listed unit; subject to overall eligible-cost and loan ceilings.

Koszt jednostkowy kwalifikowalny, maksimumbramy garażowe

1500 zł

Maximum eligible amount per listed unit; subject to overall eligible-cost and loan ceilings.

Koszt jednostkowy kwalifikowalny, maksimumpompa ciepła gruntowa

80 000 zł

Maximum eligible amount per listed unit; subject to overall eligible-cost and loan ceilings.

Koszt jednostkowy kwalifikowalny, maksimummikroinstalacja fotowoltaiczna

60 000 zł

Maximum eligible amount per listed unit; subject to overall eligible-cost and loan ceilings.

Koszt jednostkowy kwalifikowalny, maksimumnowe pokrycie dachowe

350 zł

Maximum eligible amount per listed unit; subject to overall eligible-cost and loan ceilings.

Koszt jednostkowy kwalifikowalny, maksimummagazyn energii

32 000 zł

Maximum eligible amount per listed unit; subject to overall eligible-cost and loan ceilings.

Koszt jednostkowy kwalifikowalny, maksimumwentylacja z odzyskiem ciepła

16 700 zł

Maximum eligible amount per listed unit; subject to overall eligible-cost and loan ceilings.

Koszt jednostkowy kwalifikowalny, maksimumocieplenie ścian

400 zł

Maximum eligible amount per listed unit; subject to overall eligible-cost and loan ceilings.

Koszt jednostkowy kwalifikowalny, maksimumrekuperator ścienny

2000 zł

Maximum eligible amount per listed unit; subject to overall eligible-cost and loan ceilings.

Koszt jednostkowy kwalifikowalny, maksimumokna

1200 zł

Maximum eligible amount per listed unit; subject to overall eligible-cost and loan ceilings.

Intensywność wsparcia, maksimumAggregate 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.

Oprocentowanie pożyczki, stałeEKO 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.

Częściowe umorzenie pożyczki, maksymalny udziałConditional 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.

Kapitał pożyczki, maksimumMaximum individual EKO Refund Loan

150 000 zł

Subject also to 100% of eligible costs; actual credit subject to lender decision.

Kapitał pożyczki, maksymalny udziałEKO 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.

Wymagana spłata przed umorzeniem, 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.

Okres pożyczki, maksimumEKO Refund Loan term

120 months from first tranche

Page gives term range of 5 to 10 years from date first tranche is paid.

Okres pożyczki, minimumMinimum financing period

60 months

Fixed minimum; 10-year maximum is measured from first tranche and may be changed by creditworthiness review.

Koszt projektu, maksimumThermal-modernization eligible costs

100 000 zł

Separate from equipment unit ceilings.

• Załącznik 5 – Protokół odbioru

  wfos.szczecin.pl

• Instrukcja składania wniosku

  wfos.szczecin.pl

• Załącznik 2 – Wykaz kosztów kwalifikowanych

  wfos.szczecin.pl

• Application form controller JS

  wfos.szczecin.pl

• Załącznik 4 – Zaświadczenie o dochodach

  wfos.szczecin.pl

• EKO Pożyczka Refundacyjna – official Szczecin programme page

  wfos.szczecin.pl

• Załącznik 1 – Wniosek o płatność

  wfos.szczecin.pl

• Regulamin udzielania pożyczek – EKO Pożyczka Refundacyjna

  wfos.szczecin.pl

• Załącznik 3 – Wniosek o umorzenie pożyczki

  wfos.szczecin.pl

Otwarcie

29 sty 2026

Instytucja

WFOŚiGW Szczecin

Źródło

wfos.szczecin.pl

Sprawdzono

24 paź 2026

Status przeglądu

Przegląd częściowy

Niezależne QA

Brak opublikowanego wstrzymania

Przejrzano

24 paź 2026