Non-repayable Housing Support from the Subsidy Fund (Fundusz Dopłat)

Non-repayable Housing Support from the Subsidy Fund

Funds social housing construction and renovation by municipalities through non-repayable subsidies.

The Non-repayable Housing Support from the Subsidy Fund (Fundusz Dopłat) is a true non-repayable grant programme operated by Bank Gospodarstwa Krajowego (BGK) — Poland's sole state development bank, established in 1924 — on behalf of the Polish central government. It finances the creation, renovation, repurposing, or reconstruction of social and protective housing. Eligible activities include building rental flats for low- and moderate-income households, constructing protected flats (mieszkania chronione), and establishing homeless shelters, dosshouses (noclegownie), warming facilities (ogrzewalnie), and other temporary accommodation infrastructure.

Eligible applicants are restricted to the public and quasi-public social sector: municipalities and their associations, administrative districts (powiats), companies wholly owned by municipalities, and public benefit organisations serving a housing or social purpose. Private for-profit developers are excluded. BGK performs all programme-administration functions: accepting and formally evaluating applications, issuing grant-decision notifications, signing support contracts, disbursing funds, and conducting post-disbursement monitoring and verification. Funds are denominated in Polish złoty (PLN). Precise award amounts, individual award floors and ceilings, and the total programme envelope are not published on the English-language BGK website; Polish-language documentation from BGK is required for full application details.

The submission window is continuous (rolling), with no fixed deadline. Prospective applicants should contact BGK directly or use the Polish-language application portal to initiate the eligibility assessment. The programme is one of the few BGK-operated instruments classified as a direct non-repayable grant, distinguishing it from BGK's dominant portfolio of guarantees, loan subsidies, and financial instruments.