Reducing the energy intensity of residential buildings_SHDF (H001)

Source: International Energy Agency
Last updated: 22 June 2026

The State Housing Development Fund (ŠFRB) provides subsidised loans at reduced interest rates for reducing heating energy demand in apartment buildings. Loans cover up to 100% of eligible costs for insulation. Maximum interest rate 1.5%; repayment period 25 years. Partial loan remission up to 10% of principal if heating demand is reduced to 28.0 kWh/(m²·year) or below. Coordinated by the Ministry of Transport; implemented by ŠFRB.

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