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Updated normative documents within the Fit for 55 legislative package envisage increased dynamics in achieving European Green Deal goals, which are obligatory for EU countries. This directly applies to over 65 million energy-inefficient buildings in EU27 urban areas as well as heat supply systems. However, unified funding for long-term renovation programs is not planned. To respond quickly to diverse financing options with distinct conditions and target variables, a costly and time-consuming elaboration of detaile...