Dopłaty do oprocentowania kredytów

Cel

Wdrożenia i inwestycje

Znaczenie dla B+R

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Polska kwalifikuje się

Tak

Ograniczenie krajów

Polska

Region

Dowolny

Konsorcjum

Niejasne

Poziom gotowości technologicznej (TRL)

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Tematy

• dopłaty do oprocentowania
• dopłaty do odsetek
• odsetki od kredytu
• finansowanie kredytem

Ocena automatyczna na podstawie tekstu naboru. Warunki udziału sprawdź u źródła. 24 paź 2026

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Ograniczenie dotyczące wnioskodawcy

The 2017 route tab lists local government units and their associations, wholly municipally owned companies carrying out municipalities’ own tasks, entrepreneurs, and other legal persons with capacity to incur financial liabilities. The general Board rule allocates state-budget units to transfer assistance, not this bank-loan product. The route tab itself does not establish current terms for each class.

Ograniczenie dotyczące wniosku

The route’s forms tab warns that incomplete applications will not be considered. The listed historical materials include the investment schedule, the bank agreement template and the subsidy procedure; because response headers and exact retrieval timestamps were not retained for this direct page capture and its linked files, publication status is bound only to these retained bytes.

Ograniczenie dotyczące wniosku

Under the linked historical procedure, after receiving the Fund’s notice, the applicant selects a bank (using competitive offers and procurement rules where obliged) and signs a bank-loan agreement. Within three months of the notice, the applicant submits the bank agreement, contractor agreement and investment schedule; the resolution expires if agreements are not concluded in time, subject to a justified extension by the Management Board.

Ograniczenie dotyczące wniosku

The linked 2014 procedure says its applications cover continuing and newly starting tasks that meet its then-referenced priority and rules. Separately, current Board Resolution 51/2026 §3(4) says applications submitted after task completion will not be considered. The old route tabs say continuous intake but are dated 2017/2018; current application acceptance and how the historical procedure is applied remain unverified. This packet does not assert a 31 March deadline for state-budget units.

Kwalifikowalny zakres projektu

The retained route tab describes interest subsidies or partial repayment of bank-loan principal for environmental and water-management tasks, with banks lending from their own funds and at their own risk under an agreement with the Fund. It names thermal modernization, sanitary-sewer connections, household wastewater treatment plants, recuperator installations and heating-system modernization as examples; it does not prove every named task is currently accepted.

Okres dopłaty do odsetek, maksimumMaximum duration of the §11(3) applicant-selected bank-credit interest subsidy under Board Resolution 51/2026 §11(4); this is not the bank loan repayment term or project duration.

60 months of WFOŚiGW interest-subsidy support

§11(4) caps the subsidy period at five years (60 months). The cap applies to the subsidy; actual current route participation and Fund-bank agreement terms are unverified.

Dopłata do odsetek, maksymalny udział kredytu w okresie 12 miesięcyMaximum WFOŚiGW interest subsidy for the applicant-selected bank-credit product in Board Resolution 51/2026 §11(3), as limited by §11(4); not the bank credit’s total interest rate, an own-fund loan rate, or project-cost funding intensity.

3 percent of credit per 12-month period; Board states a maximum annual subsidy rate of 3%

§11(4) says the subsidy is at most 3% per year. The bank-credit rate less the subsidy must not fall below the rate referenced in §5(5)(2); detailed terms are set in the Fund-bank agreement under §11(5). Actual current route participation and agreement terms are unverified.

Inny warunekWFOŚiGW Wrocław general Board rules for bank-credit interest subsidies/partial principal repayment; applies to decisions from 1 May 2026, subject to current route and bank agreement terms.

Under Board Resolution 51/2026 §11, WFOŚiGW can subsidize interest or partially repay principal on bank credits made from the banks’ own funds and at their risk, under an agreement between the Fund and bank. The subsidy amount is calculated as the difference between the settlement rate in that agreement and the loan rate referenced in §5(5)(2); §11(5) leaves detailed terms to the agreement. This is the later Board framework, distinct from the linked 2014 procedure and template.

The 2014 route documents are retained as historical and may not state current bank terms. This does not establish current participation, a present subsidy allocation, or that every detail of the 2014 procedure remains operative.

Inny warunekGeneral Board Resolution 51/2026 §§12(6)-(7) transition; applications filed from 1 May 2026.

Board Resolution 51/2026 enters into force on 1 May 2026 and applies to applications filed from that date. Applications submitted before entry into force are considered under the rules that applied on their filing date. The transition does not establish current route intake, bank participation, allocation, or the detailed terms of a particular Fund-bank agreement.

This source says which applications the amended rules concern; it does not establish current route intake, bank participation, allocation or the detailed terms in any particular bank agreement.

Inny warunek

The index action type is a generic repayable-instrument label, while the retained route page describes interest subsidies or partial bank-loan principal repayment. This review preserves the source mismatch; it does not normalize the current product into a grant or loan-only classification.

Inny warunekConditional current Board 51/2026 §11(4) limit for applicant-selected bank-credit interest subsidy, not the historical 2014 rate classes or ordinary own-fund loan rate.

For the applicant-selected bank credit described in §11(3), the WFOŚiGW interest subsidy is at most 3% per year, the credit rate after subsidy cannot be below the rate referenced in §5(5)(2), and the subsidy period cannot exceed five years. The referenced §5(5)(2) rate and actual settlement rate must be read under the applicable borrower/contract conditions; the 3% is the subsidy ceiling, not the bank credit’s interest rate.

Applies to §11(3) product when approved; the detailed terms are established by the Fund-bank agreement. The route’s linked 2014 procedure remains historical evidence and is not used to override this current Board ceiling.

Inny warunekBoard Resolution 51/2026 §3(6), task-value basis used for the §11(3) applicant-selected bank-credit limit; no project award or bank offer established.

For Board calculations, documented task costs are estimated/projected before contractor selection; after selection they are based on the contractor agreement, with previously investor-funded investment-preparation costs also potentially included in total task costs. The Fund is to provide assistance only after full financing of task costs is balanced. The 60% bank-credit ceiling in §11(3) references this task value; the present route materials do not establish a project-specific calculation or award.

Inny warunek

Current local catalogue index v18 labels this route open with continuous intake and no opening date, deadline or budget values. The retained route tabs are historical (last modified 2017) and do not establish that applications are currently accepted by GWD or that funds remain.

Inny warunek

For calculating subsidies, the historical procedure assumes one-time loan drawdown, equal monthly repayments beginning the month after drawdown, and a bank repayment period equal to the subsidy period. These are calculation assumptions in the 2014 procedure, not confirmed current bank terms.

Inny warunek

Under the linked 2014 procedure, the bank-loan interest rate less the Fund subsidy may not be lower than the loan rate then defined in the referenced Board rules. The linked 2014 agreement template gives 3.0% per year as the rate on its signing date; this is a historical template value, not a current rate.

Inny warunek

The linked 2014 procedure states annual interest-subsidy ceilings of 5% for local governments, their unions/associations and wholly municipally owned companies carrying out own tasks, for up to six years; and 3% for entrepreneurs and other legal persons able to incur financial liabilities, for up to five years. These are subsidy-rate ceilings, not the bank loan’s total interest rate or a grant intensity. Applicability under current rules is unverified.

Inny warunek

The linked agreement is a blank 2014 tripartite template among borrower, bank and Fund. It conditions Fund subsidy activation on the borrower providing public-aid information and ties payments to used and timely repaid credit. The route’s scope tab separately says details are specified in an agreement. This template does not establish current contract terms.

Inny warunek

The reviewed route materials concern loan interest subsidy and principal repayment. They do not establish a named employee or service category, staffing requirement, hiring entitlement, headcount, or pay rate; project-specific eligible-cost and staffing terms remain unreviewed.

Oprocentowanie pożyczki, minimumOnly the minimum residual annual rate for the applicant-selected bank-credit subsidy product described in Board Resolution 51/2026 §11(3)-(4); it is the referenced §5(5)(2) own-fund-loan rate, not the bank credit’s total contractual rate.

4,75 percent per year after deducting WFOŚiGW interest subsidy

§11(4) says the difference between the bank-credit rate and the Fund subsidy may not be lower than the rate in §5(5)(2). The 4.75% fixed annual rate in §5(5)(2) is the referenced floor; it is not itself the bank-credit rate or the subsidy amount. Actual bank participation and the Fund-bank agreement remain unknown.

Kwota pożyczki, maksymalny udziałWFOŚiGW interest subsidy for a bank credit from a bank selected by the applicant under Board Resolution 51/2026 §11(3).

60 percent of task value as defined in Board Resolution 51/2026 §3(6)

This is a ceiling on the selected bank credit relative to task value, not a 60% WFOŚiGW cash award or subsidy rate. The bank lends from its own funds and at its own risk. Exact task valuation and contract terms remain governed by the applicable route/Bank-Fund agreement.

Kwota pożyczki, maksymalny udziałHistorical 2014 procedure: bank loan selected by the applicant; net task value as defined by the then-referenced Board rules.

75 percent of net task value

The linked procedure states this historical ceiling for the bank selected by the applicant. Applicability of the 2014 procedure and referenced 2014 Board rules to a current application has not been established.

• Tripartite interest-subsidy agreement template, Order 19/2014

  wfosigw.wroclaw.pl

• Beneficjenci

  wfosigw.wroclaw.pl

• Obowiązujące wzory dokumentów (route page)

  wfosigw.wroclaw.pl

• Informacje

  wfosigw.wroclaw.pl

• Nabór wniosków

  wfosigw.wroclaw.pl

• Poziom i forma dofinansowania

  wfosigw.wroclaw.pl

• Procedure for bank-loan interest subsidies, Order 19/2014

  wfosigw.wroclaw.pl

• Investment schedule template (XLS)

  wfosigw.wroclaw.pl

• Zakres dofinansowania

  wfosigw.wroclaw.pl

• WFOŚiGW Wrocław Board Resolution No. 51/2026: financing and loan-forgiveness rules

  wfosigw.wroclaw.pl

Otwarcie

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Instytucja

WFOŚiGW Wrocław

Źródło

wfosigw.wroclaw.pl

Sprawdzono

24 paź 2026

Status przeglądu

Przegląd częściowy

Niezależna kontrola jakości

Brak opublikowanego wstrzymania

Przejrzano

23 paź 2026