The purpose of the Thermal Modernisation and Refurbishment Fund managed by BGK is to provide financial support to investors seeking to improve the technical condition and energy efficiency of buildings. From the Thermal Modernisation and Refurbishment Fund bonuses for thermomodernisation and refurbishment projects are granted and paid out at the investor’s request. As a condition, the investor needs to produce a loan agreement entered into with the lending bank and an energy or refurbishment audit and finish the project in its planned scope.
Co-financing of the projects by BGK translates into significant savings in buildings’ operating costs. It also contributes to an improvement in the quality of the existing housing stock, thus reducing the problem of the so-called housing deprivation. Implementation of thermal modernisation and refurbishment projects with the Fund’s financial participation has for years contributed to an increase in energy efficiency of buildings. Such projects lead to significant energy savings, which brings tangible benefits in terms of reducing CO2 emissions and significantly contributes to improving air quality by reducing smog.
The standard thermomodernisation bonus accounts for 16% of the costs of the thermal modernisation project, but it can be easily increased to 21% of the project’s costs, if construction of a RES micro-installation in the building is an additional element of the project. The Act on Supporting Thermal Modernisation and Refurbishment and on the Central Register of Emissivity of Buildings also offers an opportunity to receive co-financing for reinforcement of large-panel buildings while performing thermal modernisation works. This would increase building safety after the installation of new insulation layers, which cause additional load for connectors that are components of a multi-layer slab.
An example of thermal modernisation transaction is the improvement of the energy efficiency of the building in Nowa Wieś Ełcka. The project envisages the use of an energy efficient and environmentally friendly solution in modernisation of a district heating and hot water system through the use of heat pumps. The project, scheduled for 2022, provides for the use of a new heat source – a set of heat pumps with a ground heat exchanger. The heat pumps will be powered from a newly built PV installation with a total capacity of approximately 10 kW, supplemented by grid electricity. In addition, planned works include the insulation of external walls. The application of the solutions provided for in the project directly contributes to energy savings in the building, improves air quality and significantly reduces operating costs.