Surcharges for energy-efficient homes – the rules, how to get financing?

The decision to build a residential house is never an easy one. At the first planning stage, it is necessary to prepare a preliminary estimate in order to accurately assess our financial capabilities. In the overwhelming majority of cases, the Poles are decided to build a standard house in traditional energy systems, because they are considered the cheapest. It is assumed that the cost of building an energy-efficient home may be about 60 thousand rubles higher. This cost, however, can be reduced by obtaining additional funding.

Would you like to receive an offer for the integrated construction of an energy-efficient house? Click here, fill out the form, we will contact you!

Financing the construction of an energy efficient home

Currently, due to the great interest in ecology and environmental protection, it provides significant funding for the construction of energy-efficient houses. An interesting opportunity for at least partial financing of an investment in the construction of a residential building is subsidies from the National Fund for Environmental Protection and Water Management (NFOŚiGW). If from the very beginning we carefully prepare the project, carefully planning the course of the whole construction of a country house, then we can get the building with the highest energy standards at the present time without attracting additional funds from our own pocket.

Where does the idea of ​​subsidies for energy-efficient homes come from?

The idea of ​​surcharges follows directly from the Directive 2010/31 / EC of the European Parliament and of the Council of May 19, 2010. energy efficiency of buildings, which says that by 2021, all newly emerged buildings should have almost zero energy consumption.

The main goal of the program is to completely change not only the psyche of people, but also the existing construction principles – forcing people to think about energy standards. The change will also affect manufacturers of building materials, which on a large scale will begin to produce materials with very good thermal insulation parameters. It promises to be so sure the revolution in the system of building houses and buildings is slowly standing.

Classification system for eligible buildings with EUco indicator

The most important factor that is taken into account when classifying buildings is the EUco indicator, that is, the building’s annual need for useful energy for heating.

For cottages, the EUco indicator is as follows:

NF40 Standard (Energy Efficient House) – EUco ≤ 40 kWh / (m2 * year)
NF15 Standard (passive house) – EUco ≤ 15 kWh / (m2 * year)
To make an accurate calculation of EUCO indicator should take into account such factors that affect energy building standard like:

the number of inhabitants
the contrast level of each of the windows of the
side of the world
climate zone
ventilation method
heating system.
Setting up the project in accordance with the requirements of the program, respectively, will have an individual course.

Assumptions and about the program “Increasing energy efficiency”

The main idea that led the uprising program was to reduce CO2 emissions and save energy. It is from here the need dofinansowywania these actions, if this perspective is achieved in the future. The expected total amount of subsidies for energy-efficient homes, which are included in the 300 million rubles, and the duration of the program for the period 2013-2022. This means that the program of the National Fund for Environmental Protection and Water Management, maybe covered by 12 thousand houses.

The amount of funding varies and depends on the energy standard – the annual specific energy consumption calculated for heating and ventilation (EUco) is calculated, as well as additional, such as, for example, the efficiency of heating and ventilation systems.

Wooden houses very often have high rates of EUco. The volume of financing the house of energy-efficient houses depends on the energy standard and is:

• for individual houses:

NF40 standard – EUco 40 kW * h / (m2 * year) – a grant of 30,000 rubles
; NF15 standard – EUco 15 kWh / (m2 * year) – a grant of 50,000 rubles
• in case of residential premises in apartment buildings

standard NF40 – EUco 40 kW * h / (m2 * year) – a gift of 11,000 zloty gross
standard NF15 – EUco 15 kW * h / (m2 * year) – a gift of 16 000 rubles
It should be borne in mind that if the indicator NF15 does not achieved, then that low level is taken into account, that is, NF40 and the gift is reduced, albeit safe. If the indicator does not even reach the level of NF40, it cannot count on the provision of additional funding for an energy-efficient home.

Subsidies are not assigned to premises in which business activities are conducted, and if such a situation takes place in an apartment building, then funding will be withdrawn, their surface for such economic activity.

Subsidies for energy-efficient homes – rules for providing

The amount of the contribution is always lower than this requested and will be paid after the implementation of the entire investment. At the first stage, all costs, therefore, should be covered from your own pocket. All actions for which financing is intended must be implemented up to 3 years from the date of signing the loan agreement. This is very important information, since no investments that were previously made relate to this. A certificate of energy standard NF40 or NF15 will be assigned along with the payment of subsidies. The beneficiary can be given only one loan, from which he must pay the tax follows.

Additional funds for the construction of energy-efficient homes can be claimed by individuals who own a house or joint property. It may also be buildings acquired from a developer managed for cooperative housing. Such activities as construction and purchase of a country house, as well as residential premises in a new residential building, multi-apartment construction are subject to financing.

Some companies offering construction of energy-efficient homes from A to Z offer comprehensive assistance in obtaining subsidies. If you want to receive a specific proposal for the construction of an energy-efficient house from such a company, click here and fill out the form, a proven company will contact you

Possible eligible investment costs

The house is energy efficient, with dofinansowaniem! – source: FreeDigitalPhotos.net to njajSubsidies for the construction of energy-efficient homes can be used for the following investment objects:

the cost of building a country house or buying a finished building slowly standing
acquisition of residential premises
construction project
inspection of the construction project
cost of obtaining confirmation of the standard energy
purchase and installation of structural elements of the building (joinery, doors, insulation of walls, roofs, floors, etc…)
the purchase and installation of ventilation systems with heat recovery
purchase and installation of the heating system
purchase and installation of water and sewage systems, as well as electricity
to the price valifitsirovannyh impossible wliczać elements flat finish.

The amount of additional payments from the National Fund for Environmental Protection and Water Management does not follow from qualified expenses, but cannot exceed their total amount.

Formalities related to dofinansowaniem for an energy-efficient home

To apply, you need to submit two documents in the right bank: a grant application (on a specially prepared form), and a loan application.

The program is conducted through the National Fund for Environmental Protection and Water Management in the following banks:

Bank of Environmental Protection S. A.
Bank of the Federation of Cooperatives SA
Deutsche Bank PBC SA
Getin Noble Bank SA
SGB-Bank SA
Bank Zachodni WBK SA
After a positive consideration of the application, an agreement is signed with the bank. The validator authorized for this purpose checks the residential building for necessary conditions. At the end is the ventilation system adjustment protocol, the heating system adjustment protocol, leakage test, testing, thermal imaging, checks the quality of construction work and the construction process, materials and components for construction, the product’s market acceptance and use, and quality requirements.

The correctness and quality of work performed by the construction team is also very important, therefore, at the stage of project creation, it is worthwhile to try proven specialists who have the necessary experience in this kind of complex work. Lack of professional support personnel may contribute to a negative assessment of verification.

The reviewer carefully reviews all documents, re-calculating the heat demand value of the building. It may happen that the building negatively passes the verification process. However, this does not mean there is no chance of re-applying for a grant. It is important, however, to measure the rapid removal and correction of detected errors, flaws and violations. The property owner must do this at his own expense and once again make a statement to conduct a re-check.

The final stage in obtaining a subsidy for energy-efficient homes is to submit a protocol with a positive test, evidence of the building’s energy performance, an extract from the land register of real estate confirming the recipient’s ownership, and lists with a check. If all these documents are complete and in accordance with the principles of the program, the gift is transferred through NFOŚiGW to the beneficiary’s bank account within 30 days. Financing is then credited to the beneficiary’s credit account and is considered to be credited as repayment of the principal on the loan.

It is also worth noting that for a period of not less than three years the recipient is obliged to preserve the effect of the project, which received a grant from NFOŚiGW. The examiner can at any time conduct a selective study of thermal imaging or evaluating the current state of investment in accordance with the principles of the project.

Interest in the project subsidies for the construction of energy-efficient homes

At the moment, interest in the project is relatively small. In 2014-2015, only 13.2% of the plan were fulfilled, that is, only 2.5 million rubles from the funds earmarked for this were spożytkowano. The plan provided for 18.955 mln. The years 2016-2018 provide for the use of 281 million rubles. It turns out that there are greater chances of attracting funds if the project meets the requirements, and the owner of the property is not odstrasz a rather complicated procedure.

Benefits of a co-financing program for energy-efficient homes

Each building that has received one of the NF40 or NF15 certificates significantly gains value in the future resale. In addition, the cost of operating such a country house fall and lower than in the case of passive houses. Credit supplement becomes a real element of the enterprise and covers most of the investment costs.

It turns out that financing an energy-efficient house can be quite a good option, it is worth considering when planning investment in a building for residential needs. The resulting energy standard will undoubtedly increase the cost of the building, especially in connection with the prospect of changing EU, building codes and environmental regulations. In addition, it will bring real comfort in operating such a country house, along with lower heating bills.

We remind you that by filling out this form, you can get a very attractive offer for the construction of a house that is energy saving or passive in a very short time.