OSBB Loan 5-7-9% and State Compensation
Author: Svitlo-Lux editorial team. Published , updated . Review (editorial): approved (Project owner).
Facts on this page were checked against official sources as of ; next check by . Terms change: open the official source before making a decision.
The “Affordable Loans 5-7-9%” program for OSBB (condominium association) and housing cooperatives (ZhBK) combines a partner bank loan with compensation of part of the equipment cost. Below are the figures from the official pages as of 23 October 2026 and an example of how to work out your own share.
What is financed and at what rate
| Parameter | Value on the page |
|---|---|
| Rate for 1 year | 0% |
| Rate for 2 years | 5% |
| Rate for 3 years | 7% |
| Maximum amount | up to UAH 3 million |
| Term | up to 3 years |
| Equipment | Generators, solar power plants (SPP) or energy storage systems, heat pumps; also auxiliary equipment and commissioning work |
| Limit per OSBB or ZhBK | One generator, one SPP, one heat pump |
Loans are issued by partner banks; the Entrepreneurship Development Fund page lists 43 banks. The final lending decision is made by the bank, and the list of documents is also set by the bank.
Compensation and the OSBB share
| Equipment | Compensation | Ceiling | OSBB share |
|---|---|---|---|
| Generator | 50% | up to UAH 1 million | 50% plus interest |
| SPP or energy storage | 70% | up to UAH 4 million | 30% plus interest |
| Heat pump | 70% | up to UAH 2 million | 30% plus interest |
Steps as described by the operator
- Choose a partner bank. Before contacting a bank, you can get advice from the Entrepreneurship Development Fund hotline listed on its page.
- Submit a loan application. The bank sets the documents.
- Pass the bank assessment. The bank reviews the application and makes a decision.
- Buy the equipment. According to the Fund page, the bank transfers funds to suppliers by non-cash payment.
- Receive the compensation. After the purchase is confirmed and the equipment is commissioned, the state compensates part of the cost.
Example: what share to collect yourselves
For the example, take a hypothetical solar plant cost of UAH 1,000,000 (an assumption, not a market price). Compensation of 70% gives UAH 700,000, which is below the UAH 4 million ceiling. For a hypothetical generator at UAH 800,000, compensation of 50% is UAH 400,000, which is below the UAH 1 million ceiling.
| Equipment | Hypothetical cost | Compensation by percentage | Remainder to collect |
|---|---|---|---|
| SPP | UAH 1,000,000 | UAH 700,000 | UAH 300,000 |
| Generator | UAH 800,000 | UAH 400,000 | UAH 400,000 |
Loan interest for the chosen term is added to the remainder. The loan burden falls on the OSBB, so the decision to borrow is made by the general meeting of co-owners, and the payment schedule should be shown to residents before the vote. Note that the pages word the compensation base differently (equipment cost or the principal of the loan); clarify this with the bank before signing the agreement.
Frequently asked questions
- Can an OSBB take the 5-7-9 loan and also apply for SvitloDIM?
- The pages do not describe rules for combining these programs, so ask the operators of both programs about the possibility of double funding for the same equipment before signing any agreements.
- Who decides whether to grant the loan?
- The final decision is made by the partner bank after assessing the application, so this page cannot guarantee approval, and the list of documents should be confirmed with the chosen bank.
Next steps
Sources
- Loan and compensation for OSBB and housing cooperatives (ZhBK), Cabinet of Ministers of Ukraine, Energy Support (official source), accessed
- Loan and compensation for OSBB and housing cooperatives (ZhBK), Entrepreneurship Development Fund (official source), accessed
- Programs and investment for OSBB and housing cooperatives (ZhBK), State Agency on Energy Efficiency (official source), accessed
This material is for general information only and is not a power supply design, legal or financial advice. Calculations are indicative; installation and protection selection must be done by qualified specialists only. The platform does not accept or hold funds.