Vodič / Guide 20.02.2026 · 8 min čitanjaread

Besplatne državne potpore i dodaci — Vaša prava u 2026. godini Free state subsidies and benefits — Your rights in 2026

Državne potpore za obnovljive izvore energije u Hrvatskoj 2026

Mnogi vlasnici kuća u Hrvatskoj ne znaju da imaju pravo na značajne državne potpore za solarne panele, toplinsku izolaciju i toplinsku pumpu — bez obzira na visinu prihoda. U 2026. godini dostupni su programi koji mogu pokriti između 40% i 100% troškova opreme i ugradnje. Ovaj vodič pregleda sve dostupne programe, iznose, uvjete i korake za prijavu.

Pregled svih programa potpora u 2026.

Za privatne vlasnike kuća i stanova u 2026. aktivni su sljedeći programi:

ProgramŠto pokrivaIznos potporeRok
FZOEU — kućni PV sustavi Solarni paneli + inverter (3–20 kWp) do 60% 30. travnja 2026.
FZOEU — pohrana energije Baterije za pohranu uz postojeći ili novi PV do 50% 30. travnja 2026.
FZOEU — toplinska pumpa Zamjena kotla na plin/lož ulje toplinskom pumpom do 50% 30. travnja 2026.
FZOEU — zeleni krov Ekstenzivni ili intenzivni zeleni krov na stambenom objektu do 40% 30. travnja 2026.
NPOO — energetska obnova Izolacija fasade, krovišta, zamjena prozora (višestambene zgrade) do 80% Tekući poziv, bez fiksnog roka
EU fondovi — energetsko siromaštvo PV sustav + izolacija za domaćinstva s nižim prihodima do 100% Prema aktualnom pozivu JLS-a
HEP — besplatna energetska analiza Bespovratna procjena potrošnje i preporuka mjera besplatno Kontinuirano

FZOEU potpore — što i tko može dobiti

Fond za zaštitu okoliša i energetsku učinkovitost (FZOEU) glavna je institucija za bespovratne potpore fizičkim osobama u Hrvatskoj. Ključna stvar koju mnogi ne znaju: prihodi nisu uvjet za prijavu. Potporu može dobiti vlasnik kuće bilo kojih prihoda — kriteriji su tehnički i dokumentacijski, ne financijski.

Za kućni PV sustav, FZOEU pokriva do 60% prihvatljivih troškova, što za sustav od 10 kWp (prosječna obiteljska kuća) znači do 10.000 – 14.000 EUR bespovratno. Za sustav s baterijom (npr. Powerwall 3 + 10 kWp panela), kombiniranom prijavom možete pokriti i do 55% ukupnog troška.

Primjer: Kuća u Varaždinu, 10 kWp PV + Powerwall 3. Ukupni trošak: 25.000 EUR. FZOEU potpora za PV: 9.500 EUR. FZOEU potpora za bateriju: 3.800 EUR. Ukupno besplatno: 13.300 EUR (53% troška).

Energetsko siromaštvo — do 100% besplatno

Posebna kategorija korisnika koji mogu dobiti potpunu pokrivenost troška su domaćinstva u energetskom siromaštvu. Prema definiciji Ministarstva prostornog uređenja, energetskim siromaštvom smatra se situacija u kojoj kućanstvo troši više od 10% neto prihoda na troškove energije (grijanje, hlađenje, struja).

Za ova domaćinstva, Hrvatska je kroz EU fondove (posebice ERDF — Europski fond za regionalni razvoj) osigurala program koji pokriva 100% troška solarnih panela, izolacije i zamjene sustava grijanja, bez povratnih obveza. Prioritet imaju:

  • Samačka domaćinstva starijih od 65 godina s minimalnom mirovinom
  • Obitelji s troje ili više djece i prosječnim prihodom ispod 60% medijana
  • Primatelji socijalnih naknada koji žive u kući (ne stanu)
  • Vlasnici kuća s energetskim razredom E, F ili G

Prijave za ovaj program ne idu direktno na FZOEU — provode ih jedinice lokalne samouprave (JLS): vaš grad ili općina. Svaka JLS provodi vlastiti poziv. Provjerite web-stranicu svog grada ili kontaktirajte komunalni ured.

NPOO — posebna prilika za stanove u zgradama

Vlasnici stanova u višestambenim zgradama često misle da nemaju pristup potporama jer ne mogu sami postaviti solarne panele. Ovo je pogrešno. Kroz Nacionalni plan oporavka i otpornosti (NPOO), zgrade mogu dobiti do 80% bespovratnih sredstava za kompleksnu energetsku obnovu: izolacija fasade, zamjena prozora, nova krovišta, zajednički PV sustav na krovu zgrade.

Uvjet je da se zgrada prijavi kao cjelina — svi etažni vlasnici moraju glasovati za obnovu (natpolovična većina). Upravitelji zgrada koji su to organizirali 2024. i 2025. izvještavaju da je proces trajao 3–4 mjeseca od odluke do ugovora s FZOEU-om.

Besplatne usluge koje malo tko koristi

Osim novčanih potpora, postoje i besplatne usluge savjetodavnog i tehničkog karaktera:

  • Besplatna energetska analiza HEP-a — putem aplikacije „Moj HEP" ili telefonski, HEP provodi besplatnu analizu vaše potrošnje i daje preporuke za uštede. Ova usluga ne uključuje prodajni razgovor.
  • Energetski savjetnici MROEU — Ministarstvo prostornog uređenja financira mrežu besplatnih energetskih savjetnika raspoređenih po županijama. Pomažu s odabirom mjera, procjenom troška i priprema dokumentacije za FZOEU.
  • Besplatni energetski pregled za socijalno ugrožene — vlasnici kuća koji primaju socijalnu naknadu imaju pravo na besplatni energetski pregled zgrade (certifikat) koji je inače plaćen (300–800 EUR). Zahtjev se podnosi JLS-u.
  • Besplatni pravni savjet — udruge potrošača — ako vam instalater ili FZOEU odbije zahtjev, udruge potrošača (npr. POTROŠAČ, Zagreb, Split) pružaju besplatne savjete o žalbenom postupku.

Kako aplicirati — korak po korak

Za FZOEU potporu za PV sustav u 2026., evo točnog redoslijeda koraka:

  1. Provjera energetskog certifikata — provjerite imate li važeći energetski certifikat zgrade (ne stariji od 3 godine). Ako nemate, naručite ga od ovlaštenog certifikatora (300–500 EUR; za socijalno ugrožene — besplatno).
  2. Odabir instalatera s FZOEU liste — idite na fzoeu.hr → „Certificirani izvođači" → odaberite 2–3 tvrtke u vašoj regiji i zatražite ponude. Usporedite ponude ne samo po cijeni, već i po specifikaciji opreme.
  3. Izrada elektroprojekta — odabrani instalater (ili vi sami, ali rijetko se isplati) naručuje elektroprojekt od ovlaštenog elektroprojektanta. Projekt opisuje sustav i prilaže se uz prijavu.
  4. Priprema dokumentacije — vlasnički list (ne stariji od 6 mj.), energetski certifikat, elektroprojekt, ponuda instalatera, popunjena FZOEU prijavnica s portala e-Fond.
  5. Predaja na e-Fond portalu — autentifikacija putem NIAS-a (eGrađani). Zahtjev se podnosi online. Rok za predaju: 30. travnja 2026.
  6. Čekanje odobrenja — FZOEU obrađuje uredne zahtjeve u roku od 30 radnih dana. Po odobrenju dobivate Ugovor o dodjeli potpore. Ne počinjite s radovima do potpisa ugovora!
  7. Montaža i isplata — nakon montaže i tehničkog pregleda, predajete završno izvješće s računima. FZOEU isplaćuje potporu na vaš račun u roku 45 dana.
„Najčešće pitanje koje dobivamo je: 'Je li ovo stvarno besplatno?' Nije — ali uz FZOEU potporu, ROI perioda se skraćuje s 12 na svega 5–6 godina. A za energetski ugrožene — da, može biti potpuno besplatno."

Što se ne može subvencionirati

Neke stvari FZOEU ne pokriva, i važno je znati što:

  • Montaža na poslovnim objektima (za to postoje HBORovi programi)
  • Solarne ploče za toplu vodu (termalni kolektori) — samo PV
  • Popravak ili zamjena dijela postojećeg sustava (samo nova instalacija)
  • Sustavi manji od 3 kWp — automatski se odbijaju
  • Radovi koji su već počeli ili završeni prije odobrenja FZOEU-a

Kangmeiling — mi smo vam vodič kroz cijeli proces

Kangmeiling priprema kompletnu FZOEU dokumentaciju za sve klijente. Energetski pregled (ili koordinacija s vašim certificiatorom), elektroprojekt, prijava i praćenje statusa — sve je uključeno u cijenu montaže. Nema skrivenih troškova za „papirologiju".

Uz to, radimo aktivno s FZOEU i pratimo promjene uvjeta svaki kvartalno. Ako se uvjeti promijene između vaše prijave i isplate, pravovremeno vas obavještavamo o potrebnim dopunama.

Many homeowners in Croatia are unaware that they are entitled to significant state subsidies for solar panels, thermal insulation and heat pumps — regardless of income level. In 2026, programmes are available that can cover between 40% and 100% of equipment and installation costs. This guide reviews all available programmes, amounts, conditions and application steps.

Overview of all support programmes in 2026

For private owners of houses and flats in 2026, the following programmes are active:

ProgrammeWhat it coversSupport amountDeadline
FZOEU — household PV systems Solar panels + inverter (3–20 kWp) up to 60% 30 April 2026
FZOEU — energy storage Batteries alongside existing or new PV up to 50% 30 April 2026
FZOEU — heat pump Replacing gas/oil boiler with a heat pump up to 50% 30 April 2026
FZOEU — green roof Extensive or intensive green roof on residential building up to 40% 30 April 2026
NPOO — energy renovation Facade insulation, roof, window replacement (multi-family buildings) up to 80% Ongoing call, no fixed deadline
EU funds — energy poverty PV system + insulation for lower-income households up to 100% Per current local authority call
HEP — free energy analysis Free consumption assessment and recommendations free Ongoing

FZOEU subsidies — what and who can receive them

The Environmental Protection and Energy Efficiency Fund (FZOEU) is the main institution for non-repayable grants to individuals in Croatia. A key fact that many people don't know: income is not a condition for application. Any homeowner, regardless of income, can apply — the criteria are technical and documentary, not financial.

For a household PV system, FZOEU covers up to 60% of eligible costs, which for a 10 kWp system (average family home) means up to €10,000–14,000 in free grants. For a system with a battery (e.g. Powerwall 3 + 10 kWp panels), a combined application can cover up to 55% of total cost.

Example: House in Varaždin, 10 kWp PV + Powerwall 3. Total cost: €25,000. FZOEU subsidy for PV: €9,500. FZOEU subsidy for battery: €3,800. Total free: €13,300 (53% of cost).

Energy poverty — up to 100% free

A special category of beneficiaries who can receive full cost coverage are households in energy poverty. Under the Ministry of Spatial Planning's definition, energy poverty is a situation in which a household spends more than 10% of net income on energy costs (heating, cooling, electricity).

For these households, Croatia has secured through EU funds (particularly ERDF — European Regional Development Fund) a programme covering 100% of the cost of solar panels, insulation and replacement of heating systems, without repayment obligations. Priority is given to:

  • Single-person households of people over 65 with minimum pension
  • Families with three or more children with average income below 60% of median
  • Social benefit recipients living in a house (not a flat)
  • Owners of houses with energy class E, F or G

Applications for this programme do not go directly to FZOEU — they are handled by local self-government units (JLS): your city or municipality. Each JLS runs its own call. Check your city's website or contact the municipal office.

NPOO — a special opportunity for flat owners

Owners of flats in multi-family buildings often think they have no access to subsidies because they cannot install solar panels independently. This is incorrect. Through the National Recovery and Resilience Plan (NPOO), buildings can receive up to 80% in non-repayable funds for comprehensive energy renovation: facade insulation, window replacement, new roofing, shared PV system on the building roof.

The condition is that the building applies as a whole — all co-owners must vote for renovation (simple majority). Building managers who organised this in 2024 and 2025 report that the process took 3–4 months from decision to signing the contract with FZOEU.

Free services that few people use

In addition to monetary subsidies, there are also free advisory and technical services:

  • Free HEP energy analysis — via the "Moj HEP" app or by phone, HEP carries out a free analysis of your consumption and provides savings recommendations. This service does not include a sales conversation.
  • MROEU energy advisors — the Ministry of Spatial Planning funds a network of free energy advisors distributed across counties. They help with selecting measures, cost assessment and preparing FZOEU documentation.
  • Free energy audit for socially vulnerable — homeowners receiving social assistance are entitled to a free building energy audit (certificate) that normally costs €300–800. The request is submitted to the JLS.
  • Free legal advice — consumer associations — if your installer or FZOEU rejects your application, consumer associations (e.g. POTROŠAČ, Zagreb, Split) provide free advice on the appeals process.

How to apply — step by step

For the FZOEU subsidy for a PV system in 2026, here is the exact sequence of steps:

  1. Check energy certificate — verify you have a valid building energy certificate (no older than 3 years). If not, order one from a certified assessor (€300–500; free for socially vulnerable).
  2. Select an installer from the FZOEU list — go to fzoeu.hr → "Certified Contractors" → select 2–3 companies in your region and request quotes. Compare quotes not only by price but also by equipment specification.
  3. Electrical project preparation — the selected installer (or you yourself, but rarely worthwhile) commissions an electrical project from a certified electrical engineer. The project describes the system and is attached to the application.
  4. Documentation preparation — land registry extract (no older than 6 months), energy certificate, electrical project, installer's quote, completed FZOEU application form from the e-Fond portal.
  5. Submission on e-Fond portal — authentication via NIAS (eGrađani). The application is submitted online. Submission deadline: 30 April 2026.
  6. Awaiting approval — FZOEU processes complete applications within 30 working days. Upon approval, you receive a Grant Agreement. Do not start work until the contract is signed!
  7. Installation and payment — after installation and technical inspection, you submit a completion report with invoices. FZOEU pays the subsidy to your account within 45 days.
"The most common question we get is: 'Is this really free?' It isn't — but with the FZOEU subsidy, the ROI period shortens from 12 to just 5–6 years. And for energy-vulnerable households — yes, it can be completely free."

What cannot be subsidised

Some things FZOEU does not cover, and it's important to know what:

  • Installation on commercial buildings (HBOR programmes cover these)
  • Solar thermal collectors for hot water — only PV
  • Repair or replacement of part of an existing system (only new installation)
  • Systems smaller than 3 kWp — automatically rejected
  • Works that have already started or been completed before FZOEU approval

Kangmeiling — your guide through the entire process

Kangmeiling prepares complete FZOEU documentation for all clients. Energy audit (or coordination with your certified assessor), electrical project, application and status monitoring — all included in the installation price. No hidden costs for "paperwork".

We also work actively with FZOEU and monitor changes in conditions every quarter. If conditions change between your application and payment, we notify you in a timely manner about any required supplementation.