Government-Backed Solar Panels in 2026: 0% Loan and Up to 30% Compensation

What the programme is

The official name is “Energy Loan for Homes” (Енергокредит для домівок). It is based on Cabinet of Ministers Resolution No. 673 of 7 June 2024, which has been amended nine times since. The money is lent by banks, and the state’s share is paid by the National Development Institution: that is the name, since 16 February 2026, of the former Entrepreneurship Development Fund (Resolution No. 203). The terms, banks and hotline number are on the energycredit.bdf.gov.ua portal.

The loan is not for the panels alone but for a backup power system. The government divides it into three packages:

• G — a generator (diesel, petrol, gas or dual-fuel);
• GB — a hybrid system: solar panels and/or a wind turbine of 1–10 kW, a hybrid inverter that works both with the grid and off-grid, and a battery of at least 1 kWh for every kW of panels;
• SGB — a hybrid system together with a generator.

The takeaway is simple: a 5 kW station needs a battery of at least 5 kWh. Panels with only a grid-tie inverter do not qualify. And the maximum 30% is granted only when a generator is added to the station as well.

What changed in 2024–2026

The key point for anyone who has read about a “0% loan for 10 years”: those terms no longer exist for new loans. Full interest compensation remains only for contracts signed before Resolution No. 204.

Terms for a private house

• Amount: from UAH 10 to 480 thousand, one loan per person and per property.
• Rate: 0% in the first year, 5% in the second, 7% in the third. The bank charges a rate of up to UIRD 3M + 7 pp, and the state pays the difference for the first three years. From the fourth year, you pay the full rate. As an example, Ekonomichna Pravda calculated it as of 16 March 2026: 20.38% per year.
• Fee: no more than 1.5% of the loan amount in total over the entire term.
• Collateral: not required.
• Who is eligible: the owner or co-owner of a private house, cottage or townhouse of up to 300 m² with its own electricity account. Also their first-degree relatives.
• Income: the average monthly income of the borrower and their spouse over the last six months must not exceed ten national average salaries.
• Obligations: within 180 days, submit an invoice or certificate of completion and a photo of the equipment with geo-coordinates. Then send such a photo every six months for as long as the contract is in force.

Oschadbank and PrivatBank: the difference

Both banks follow the same state rules. They differ in the term, borrower requirements and repayment schedule.

ComparisonEnergy loan at Oschadbank and PrivatBank (bank pages, 27.10.2026)

Spec	Oschadbank “My Energy Independence”	PrivatBank “Energy Sources”
Loan amount	UAH 10–480 thousand	UAH 100–480 thousand
Term	120 months	12–60 months
Rate for the client	0% / 5% / 7% in year 1 / 2 / 3	0% / 5% / 7% in year 1 / 2 / 3
Rate from year 4	UIRD 3M + 7%	UIRD 3M + 7%
Principal compensation	20% / 25% / 30% (packages G / GB / SGB)	20% / 25% / 30% (packages G / GB / SGB)
One-off fee	1.5% of the amount	1.5% of the amount
Down payment	not specified	from 0%
Collateral	no collateral	no collateral
Repayment	monthly in equal instalments	annuity
Borrower age	not specified	from 21, up to 70 at the end of the term
Effective annual rate	25.52%	not specified

At the launch of the updated programme on 23 April 2026, Oschadbank reported that it issues 71% of all energy loans to individuals in Ukraine. Over the past year, the bank issued almost 8 thousand such loans worth over UAH 1.5 billion. Other banks set their own terms. According to Ekonomichna Pravda as of March 2026, Sense Bank lends for up to 5 years and to people aged 24–60. Ukrgasbank requires a 10% down payment and limits the house area to 250 m². Globus gives loans for up to 10 years.

What it really costs: an example

Take a hypothetical loan of UAH 400 thousand for a solar station with a battery (GB package). The calculation is ours and simplified: the principal is repaid in equal instalments, and the compensation arrives immediately after the purchase is confirmed.

• One-off 1.5% fee — UAH 6 thousand.
• 25% compensation — UAH 100 thousand, the debt drops to UAH 300 thousand.
• If you pay off the rest within three years, at 0/5/7% the interest comes to roughly UAH 11.5 thousand.
• If you stretch it over ten years and the rate is around 20% from the fourth year, the interest comes to roughly UAH 180 thousand. On its loan page, Oschadbank shows an effective annual rate of 25.52% (as of 27.10.2026).

So the programme pays off for those who can repay the loan within three years. Those counting on a long instalment plan will pay several times more. How much a 5 or 10 kW station costs now, we covered in our review of solar panel prices in 2026. Which panels to install — see our manufacturer ranking.

How to apply: step by step

1. Choose the package. Make sure the station has 1–10 kW of panels, a hybrid inverter and a battery of at least 1 kWh per kW.
2. Get an invoice or quote from the seller or installer with the total cost of the purchase and installation.
3. Choose a bank from the list on energycredit.bdf.gov.ua and apply on the bank’s website or at a branch. Oschadbank asks for a passport, taxpayer ID number (RNOKPP), income statements for you and your spouse for 6 months, a marriage certificate and a property ownership document stating the house area. You also need a certificate of no criminal record, which you can get in Diia. Co-owners give written consent.
4. After the check, the bank signs a contract with you and transfers the money directly to the supplier.
5. Install the equipment. Within 180 days, submit an invoice or certificate of completion and a photo with geo-coordinates to the bank.
6. The state will transfer the 20–30% compensation towards the debt within three calendar days of confirmation.
7. Send a fresh photo of the station every six months. PrivatBank warns that you can lose the compensation if you are more than 30 days late with a payment, miss a confirmation or switch to the “green” tariff.

For condominium associations and housing cooperatives

• “5-7-9%” loan: up to UAH 3 million for up to 3 years at 0, 5 and 7% in the first, second and third year. One generator, one solar station and one heat pump are allowed per building. The state promises to pay off 50% of the principal for a generator and 70% for a station or heat pump.
• GreenDIM from the Energy Efficiency Fund — a grant after installation. For a generator — 50% of the cost, but no more than UAH 1 million. For a solar station or storage system — 70%, up to UAH 4 million. For a heat pump — 70%, up to UAH 2 million. Example: the Odesa condominium association Chornomor-6 applied on 25 February 2026 and by 25 March had received UAH 2.2 million of the UAH 3.2 million cost of a 60 kW station with 122.88 kWh of batteries. However, since 4 April the Fund has not been accepting new applications.
• Energodim — up to 70% of the costs of insulating and upgrading a building. New applications have not been accepted since 22 April 2026: the programme is being adapted to Ukraine Facility requirements. On 28 September, the Fund reported that intake is still on hold.
• SvitloDim — from UAH 100 to 300 thousand for generators, inverters, batteries and panels. Applications go through Diia, and the money must be spent within 45 days. The programme operates only in communities where an energy emergency has been declared.

“Green” tariff or subsidised loan

You cannot combine them: the programme rules explicitly exclude stations on the “green” tariff. For home stations of up to 30 kW commissioned in 2026–2029, NEURC set the tariff at 603.86 kopecks/kWh excluding VAT from 1 April 2026. From 1 July it is 613.31 kopecks. NEURC revises the rates several times a year; we did not find a decision for Q4. So the choice is this: either a cheaper start thanks to the compensation and subsidised rate, or selling surplus power to the grid.

Pros and cons of the programme

Pros

• The 20–30% compensation arrives immediately rather than being spread over years.
• No collateral, and for the first three years the rate is no higher than 7%.
• The list of partner banks runs to several dozen names, and since 2026 the programme also covers generators and heating.
• The bank only needs the seller’s total cost.

Cons

• 0% now applies only in the first year, and from the fourth year the rate is market-level — around 20% or higher.
• 30% compensation is granted only together with a generator.
• Limits on area and income. Some banks add their own: age, down payment, area up to 250 m².
• You have to send photos every six months, and late payments can cost you the compensation.
• No “green” tariff and no selling electricity.
• Energy Efficiency Fund grants for condominium associations are suspended.

Who it suits

The programme pays off for a homeowner who wants power during outages and is ready to repay the loan within three years. It is no good for someone who wants to earn money by selling electricity. Nor does it pay for those planning to repay over ten years: after the third year, interest will eat up most of the compensation. The terms have changed four times in the last year alone, so before applying, check the current version of the resolution and your bank’s page.

See also

• How much solar panels cost in 2026: price per watt and 5 and 10 kW stations
• Which solar panels are best for the home: manufacturer ranking 2026
• A solar panel on the balcony: what it really gives a flat
• Turnkey solar station: what is included and how to compare estimates
• 650 and 700 W solar panels: model comparison, dimensions and prices
• 200 W solar panel: what it is for and which to buy
• Horay solar panels: owners’ reviews

Sources

1. Cabinet of Ministers Resolution No. 673 of 07.06.2024 — packages G, GB, SGB, H, H+, rates 0/5/7%, compensation 10–30%, amount up to UAH 480 thousand, area up to 300 m², income limit, fee up to 1.5%, photo every 6 months (version of 31.07.2026, amendments No. 1407, 203, 204, 396, 979; checked 27.10.2026)
2. Energy Loan for Homes — launch 18.02.2026, compensation 20/25/30%, partner banks, steps (checked 27.10.2026)
3. Loans for condominium associations and housing cooperatives — up to UAH 3 million, up to 3 years, compensation 50/70% (checked 27.10.2026)
4. Government expands programmes supporting the energy resilience of the housing sector (16.02.2026)
5. Dengi.ua: 30% of the loan principal compensated instead of interest (06.11.2025, citing the Ministry of Energy)
6. Oschadbank — “My Energy Independence” — terms, effective annual rate 25.52%, documents (checked 27.10.2026)
7. Oschadbank starts lending under the updated programme — 71% of energy loans, almost 8 thousand loans (23.04.2026)
8. PrivatBank — “Energy Sources” — amount, term, annuity, age, reasons for losing compensation (checked 27.10.2026)
9. Ekonomichna Pravda: how to get a subsidised loan in 2026 — terms of individual banks, rate of 20.38% as of 16.03.2026 (17.03.2026)
10. Energy Efficiency Fund — GreenDIM, how to apply — 50% up to UAH 1 million, 70% up to UAH 4 million and up to UAH 2 million; the programme page shows applications suspended since 4 April (checked 27.10.2026)
11. Energy Efficiency Fund — Energodim — on hold since 22.04.2026; intake still suspended (28.09.2026)
12. Case study: Chornomor-6 condominium association (20.08.2026)
13. Interfax-Ukraine: the SvitloDim programme (28.01.2026) and PrivatBank’s SvitloDim page (checked 27.10.2026)
14. NEURC Resolution No. 498 of 31.03.2026 — “green” tariff of 603.86 kopecks/kWh from 01.04.2026
15. LIGA360: NEURC Resolution No. 1029 of 30.06.2026 — 613.31 kopecks/kWh from 01.07.2026 (06.07.2026)