Ukraine
State energy loan for private houses (Енергокредит)
State programme terms (energy.kmu.gov.ua): up to 480,000 UAH for owners of private houses; 0% in the first year of the loan, 5% in the second, 7% in the third, then the bank's rate (ПриватБанк: UIRD 3M + 7%, 1.5% fee). The payment shown is the average over the term.
- How much
- 0–7% a year · 12–36 months · UAH 10,000 to UAH 480,000
- Status
- OpenCloses: No end date published
How much
- Lender
- Partner banks of the state programme
- Rate
- 0–7% a year
- Term
- 12–36 months
- Amount
- UAH 10,000 to UAH 480,000
State programme terms (energy.kmu.gov.ua): up to 480,000 UAH for owners of private houses; 0% in the first year of the loan, 5% in the second, 7% in the third, then the bank's rate (ПриватБанк: UIRD 3M + 7%, 1.5% fee). The payment shown is the average over the term.
How to apply
Apply through the official page; it lists the documents and the deadline.
Official page: Partner banks of the state programmeDates
- Opens
- Already running
- Closes
- No end date published
- Last checked
- Desk research on 6 October 2026, awaiting a person's check
Where it applies
Region pages list every programme of the place with the typical price and payback.
Questions
Is State energy loan for private houses (Енергокредит) open now?
Yes. State energy loan for private houses (Енергокредит) is open today according to its published dates.
What are the terms of State energy loan for private houses (Енергокредит)?
0–7% a year, 12–36 months, from UAH 10,000 to UAH 480,000. The lender decides after its own checks.
Other programmes in Ukraine
- Affordable loans 5-7-9% for energy equipment9% a year · 36–120 months · UAH 1 to UAH 250,000,000
- EBRD energy loan with a grant (ESSF) — 15% of the cost back for home solar15% of the cost without VAT, up to UAH 150,000
- EBRD energy loan with an EU grant (ESSF) for businesses — 10–30% of the investment back10% of the cost
- State energy loan for private houses — the state repays 20–30% of the loan25% of the cost, up to UAH 120,000