Financing
Ukraine's state energy loan for private houses: how the 20–30% repayment works
The state energy loan lends owners of private houses up to 480,000 UAH for batteries, solar panels and generators, and repays part of the loan once the system is installed.
- By SolarPlan Editorial
- 1 min read
Owners of private houses in Ukraine can finance backup power — batteries, solar panels, a generator and their installation — with a state-supported loan from a partner bank, and the state repays part of the loan once the equipment is installed. This article explains the terms and how they compare with the EBRD-backed alternative.
The loan
- From 10,000 to UAH 480,000 for up to 10 years, from one of more than 40 partner banks.
- Interest: 0% for a loan of up to 1 year, 5% for up to 2 years and 7% for up to 3 years; after the third year the bank's own rate applies.
- One loan per address.
What the state repays
After the purchase and installation are confirmed, the state repays part of the loan once, depending on the kit:
| Kit | Share of the loan repaid |
|---|---|
| Generator | 20% |
| With batteries | 25% |
| Solar + generator + batteries | 30% |
The programme does not say how a solar + battery kit without a generator is classified: ask the bank which tier your kit falls under before you sign.
Who qualifies
Owners (or co-owners) of a private house or townhouse. Apartments do not qualify; residents' associations (OSBB) have their own programme.
The alternative: EBRD loan with a grant (ESSF)
Partner banks of the EBRD's Energy Security Support Facility lend for solar panels, inverters and batteries up to 30 kW. After installation an EU-funded grant repays 15% of the financed cost without VAT (25% for veterans, internally displaced people, people with disabilities and residents of war-affected areas). At PrivatBank («ЕнергоГрант») the loan is 100,000–1,000,000 UAH for 12–60 months at a variable rate. One loan finances the system: it is this grant or the state loan's repayment, not both — but ESSF also covers solar without a battery.
Want to compare the two for your house? Start a plan: SolarPlan shows the monthly payment and the repayment for your system. Questions about the loan terms are answered by the partner banks.
Frequently asked questions
Can an apartment owner use the state energy loan?
No. The household programme is for private houses and townhouses; apartment buildings use the separate programme for residents' associations (OSBB) and housing co-ops.
Does a solar system with batteries but no generator get 30%?
Not necessarily: the 30% tier is for solar + generator + batteries. The programme does not state how a kit without a generator is classified, so ask the bank before you sign.
Can I combine the state loan with the ESSF grant?
No. One loan finances the system, so it is either the state loan's repayment or the ESSF grant.
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