Energy Efficiency

Why is energy efficiency Important?

Although energy losses cannot be reduced to zero, they can be reduced in various ways by using various
techniques, and with a careful or efficient approach, energy can be consumed in optimal amounts for a
process or activity. When it is used in an inappropriate way, which means that there is a difference
between the supplied amount of energy and the required amount of energy, it leads to wastage and
thus to financial loss.

How far have we come in introducing energy efficiency measures?

    • Energy consumption in Serbia is twice as high as the average consumption of 35 OECD countries
    • In our country, even 60% of final energy is consumed by the building sector
    • Owners of apartments and houses in Serbia generally view the proposed measures for energy efficiency
      only as an additional levy
    • Only 10% of domestic investors recognize energy efficiency as a comparative advantage over the

Kredit za energetsku efikasnost

Kredit za energetsku efikasnost se odobrava u skladu sa Nacionalnim programom energetske sanacije domaćinstava koji je pokrenulo Ministarstvo rudarstva i energetike, a sprovode ga jedinice lokalne samouprave i gradske opštine. Građani čiji su projekti energetske sanacije stambenog objekta izabrani na osnovu javnog poziva koji raspisuju jedinice lokalne samouprave dobijaju bespovratna sredstva podsticaja u visini do 50 odsto vrednosti radova, dok Banka finansira ostatak troškova na osnovu profakture (predračuna) izdate od strane izvođača radova.

Ko može da se prijavi?

Građani kojima su dodeljena bespovratna sredstva podsticaja za sprovođenje mera energetske sanacije u domaćinstvu na osnovu sprovedenog javnog poziva.


    • Bez obaveznog prenosa zarade ili penzije;
    • Bez naknade za obradu zahteva;
    • Fiksna kamatna stopa tokom celog perioda otplate kredita za kredite sa osiguranjem života;
    • Sa i bez osiguranja života.

Povraćaj do 20% vaše investicije

Reprezentativni primer kredita za energetsku efikasnost

U prilogu je kalkulacija primera za ugradnju fasade površine 100m².

Površina fasade


Cena po m²

4.223,88 RSD

Cena za 100m² fasade

422.238,00 RSD

Subvencijom države (50%)

211.119,00 RSD

Kredit za preostalih 50%

211.119,00 RSD

Mesečna rata za kredit

od 4.250,12 RSD

Povraćaj na kredit do 20%

do 42.223,80 RSD

Iznos ukupne investicije

do 168.895,20 RSD

NAPOMENA: U pitanju je reprezentativni primer. Konačne cene zavise od kamatne stope u banci, kao i od tržišne cene materijala u trenutku zaključivanja ugovora.

Are you ready for the heating season?
Here's how much savings a thermal facade can bring

Installing thermal insulation in the home is the best way to immediately reduce energy consumption and
save money in the long term. With thermal insulation of the external walls and, if necessary, the roof, it
will take far less energy to maintain a comfortable temperature, whether it is hot or cold outside. Since
thermal insulation reduces the rate of natural equalization of external and internal temperatures, in a
well-insulated home it is warm for a long time even when the heating is not turned on in the winter and
it is cold for a long time in the summer after the air conditioner is turned off. Through lower energy
consumption, you contribute to the preservation of the environment, and it is important to note that a
30% better insulation does not mean a 30% lower electricity bill, but a saving of about 50%, because a
bad facade is the most common reason for heating apartments with electricity during the day. and going
into the red consumption zone.

What is and what is quality thermal insulation made of?

Thermal insulation of the facade has been mentioned in recent years as one of the best solutions for increasing the energy efficiency of the home. In addition, insulation has a pronounced aesthetic function, primarily because it can very easily give an old facade a new shine, while also protecting the environment. However, energy savings are significant only if thermal insulation is approached very thoroughly. That is why it is important that each element is of high quality and precisely installed by experienced craftsmen.

It should be borne in mind that there are several types of thermal facades, but in our area the most common solution, which provides an excellent price-quality ratio, is contact Demit facades, which were named after the manufacturer of facade systems Demit from Slovenia. Essentially, a thermal facade is any facade that has a high degree of thermal insulation (about λ = 0.035 W/mK).

Non-contact facades on new buildings, as well as contact facades with an adequate layer of thermal insulation, whether it is stone wool or Styrofoam, are generally considered thermal facades.

The thermal facade contains the following elements:

    • The base, that is, the old facade on which thermal insulation is applied. Before any work, the condition of the facade is first determined by tapping or scratching, and if it is in bad condition, additional work is carried out to remove parts in bad condition in order to level it;
    • Adhesive for styrofoam that ensures that the styrofoam is permanently glued to the old facade or brick/concrete. The glue can be specially formulated for styrofoam bonding only, or for styrofoam bonding and reinforcement. This element must be of good quality and have good characteristics so that the styrofoam plates remain stable even after many years of exposure to external conditions;
    • Styrofoam (EPS), which is the main insulator, is one of the most important factors when choosing a facade. High-quality styrofoam has good thermal insulation characteristics, and for greater energy savings there are also styrofoams with added graphite, while for greater durability, harder styrofoam is used;
    • Dowels, which additionally hold the styrofoam in the case of high objects, when the substrate is in extremely bad condition or when stone wool slabs are installed;
    • Glue for mesh and reinforcing mesh that holds the final layer, and it is usually glued with a special glue or glue that has a double role for Styrofoam. In contrast to gluing Styrofoam, a thicker layer of glue is used for reinforcement and laying of the substrate, so the consumption of glue is higher;
    • Primer and top coat. When the glue is thoroughly dry, a primer or top coat is applied to it, followed by a top coat. It is the only visible part of the facade that mainly has an aesthetic function, although more advanced finishing layers play an important role in protecting against mold and moisture.

Which one is better, styrofoam or wool?

In order to determine in which situation Styrofoam is better for insulation and in which stone wool, let's start from the nature of the materials themselves. Namely, styrofoam or expanded polystyrene is an artificial material that is a petroleum derivative. Although the composition of Styrofoam for insulation is only 2% oil and 98% air, it is classified as a combustible material. According to the ETICS system, systems with styrofoam are therefore classified in the E class of combustible (self-extinguishing) materials. On the other hand, stone wool is a natural material that is classified as a non-combustible material according to the ETICS system, which starts to melt only at temperatures over 1000 degrees Celsius. By comparison, Styrofoam retains its positive characteristics "only" up to a temperature of 80 degrees.

Styrofoam and stone wool have similar thermal insulation characteristics, i.e. thermal conductivity coefficient for plates of the same thickness. However, wool has such a structure that it absorbs sound, so stone wool insulates the object from external noise much better.

In addition, wool has incomparably better vapor permeability, so there is inevitably less moisture in the home.

When it comes to installation, Styrofoam and stone wool systems are equally easy to install. However, Styrofoam is significantly lighter, which makes it easier to transport and manipulate the plates. Stone wool slabs are heavier, so they must be doweled to the base during installation.

However, stone wool is stronger and more elastic, and thus significantly more resistant to external temperature changes, microorganisms, pests, impacts and chemicals, which is why it is considered more durable.

Finally, for domestic customers, one of the most important factors when choosing is the price. When all materials are taken into account, thermal insulation systems with stone wool can be 40% more expensive than contact facade with Styrofoam.

In short, both solutions are good and both provide good thermal insulation, but stone wool has some bonus qualities, which makes it more expensive.


Saving energy with the help of solar panels

Solar panels are devices that convert the sun's energy into electricity. The basic elements of solar panels are photovoltaic cells, which use the photon energy of the Sun to generate electrons and generate
electric current.

Solar panels are a sustainable option for electricity generation and are increasingly popular for homes and commercial buildings as a way to reduce dependence on fossil fuels.

You can find more information about solar panels on a separate page.

Warm winters and pleasant summers with the help of heat pumps

Heat pumps are devices used for space heating and cooling as well as water heating.

Heat pumps are an increasingly popular way of heating, cooling and heating water in households and commercial buildings due to their energy efficiency and environmental benefits.

You can find more information about heat pumps on a separate page.

Najčešća pitanja

Šta je GEFF?

GEFF je kreditna linija za zeleno finansiranje u sklopu Evropske banke za obnovu i razvoj koja obezbeđuje sredstva za finansiranje energetski efikasnih tehnologija u domaćinstvima.

Ukupan iznos kreditne linije za Zapadni Balkan iznosi 85 miliona evra.

Program je podržan sredstvima Evropske unije, kao i sredstvima drugih donatora: Saveznog ministarstva finansija Republike Austrije i Investicionog okvira za Zapadni Balkan, za finansiranje programa tehničke saradnje u okviru ove kreditne linije i realizovan u saradnji sa Sekretarijatom Energetske zajednice.

Za povrat novca se prijavljujete na sajtu GEFF, tako što podnesete online zahtev kroz Sistem za verifikaciju. Biće vam potrebna sledeća dokumentacija: sertifikat prihvatljivosti, faktura, dokaz o uplati od banke, ugovor o kreditu, kao informacije o računu na koji želite da se uplati povracaj novca.

Da li jednim kreditom mogu da finansiram radove na više lokacija (više stanova)?

Da, možete finansirati instalaciju tehnologija na više od jednog projekta, odnosno lokacija, sve sa jednim kreditom.

Da li kredit mogu koristiti za kupovinu više proizvoda različitih kategorija?

Da, kredit možete koristiti za kupovinu više proizvoda različitih kategorija (npr. ugradnja novih prozora i ugradnja kotla na biomasu). To je i poželjno, jer ćete ulaganjem u minimum 2 tehnologije ostvariti pravo na veći podsticaj, tj. na 20%.

Da li mogu tražiti više kredita za istu namenu u istoj zgradi ili stanu?

Ne, na primer, isti prozori se ne mogu menjati dva puta ako je kredit već uzet u tu svrhu.

Da li mogu da apliciram za više od jednog kredita za projekat na istoj lokaciji?

Da, možete aplicirati za više od jednog kredita za finansiranje različitih namena na istoj lokaciji (npr. finansirate izolaciju jednim kreditom, a zamenu prozora drugim).

Da li moram biti vlasnik objekta koji se renovira?

Ne, ne morate biti vlasnik, suvlasnik ili prijavljeni na toj adresi. Možete uzeti kredit za članove porodice. Jedino ograničenje je da se ne može na istoj adresi dva puta kreditirati ugradnja kupovine iste vrste proizvoda.

Da li se može finansirati toplotna izolacija jednog stana u zgradama sa više stanova?

Ne, ovim kreditom se ne može finansirati toplotna izolacija samo jednog stana u okviru zgrade. Može se finansirati samo ako se jedna ili više fasada renoviraju kompletno.

Da li dva člana istog domaćinstva mogu aplicirati za finansiranje istog projekta i dobiti dva kredita?

Da, mogu. Tada se projekat finansiranja objedinjuje kao jedan i ukoliko je uključeno više tehnologija, može se dobiti veći podsticaj (20% umesto 15% za jednu tehnologiju).

Na primer, ukoliko supruga uzme kredit za izolaciju, a suprug kredit na toplotnu pumpu, to će se tretirati kao investicija sa 2 tehnologije i ostvariće pravo na povrat od 20%, iako su pojedinalni krediti vezani za samo jednu tehnologiju.

Da li mogu da koristim ovaj podsticaj i neki drugi podsticaj za isti projekat?

Ne. Pravo na finansijski podsticaj od EBRD, tj. povraćaj novca, ostvarujete samo ukoliko prethodno niste ili ne planirate da uzmete podsticaj od druge isntitucije ili državnu subvenciju. Nije moguće uzeti više podsticaja za isti projekat.

Da li na predračunu mogu da budu proizvodi i za koje se ne dobija finansijski podsticaj, na primer klima uređaji?

Da, mogu. Za klima uređaje i druge proizvode (frižideri, zamrzivači ili kombinovani uredjaji) koji se ne nalaze u Tehnološkom selektoru, možete dobiti kredit, ali za njih nećete dobiti finansijski podsticaj, odnosno povraćaj novca.