Private homeowners have gained access for the first time to a subsidized loan for autonomous heating at 0% interest in the first year. Cabinet Resolution No. 979 of July 29, 2026, effective July 31, added two new packages to the Energy Resilience Support Program — Package H and Package H+ — with partial reimbursement of the loan principal at government expense. The stated rationale is the risk of prolonged electricity, gas, and heat outages in winter: the new option is designed to give homeowners a basic backup heat source for extended blackouts.
Key facts:
- Package H: loan from UAH 10,000 to UAH 250,000; 10% principal rebate.
- Package H+: up to UAH 480,000; 20% principal rebate.
- Rate: 0% in year one, 5% in year two, 7% in year three.
- The 2026 program budget is UAH 801.5 million through the National Development Institute.
What Packages H and H+ Finance
Before Resolution No. 979, the Energy Resilience Support Program covered only backup power supply: diesel, petrol, gas, and dual-fuel generators; solar modules; wind turbines rated 1–10 kW; hybrid inverters; and energy storage systems. From July 31, 2026, heating equipment for standalone residential use was added to the list — giving rise to two “heating” packages designed specifically for private homes.
Package H is the basic set: a certified household solid-fuel stove or stove-fireplace, a chimney, and the ancillary materials and work required for safe operation. Package H+ expands the scope: it additionally covers the ventilation and flue-gas extraction system, fire protection components, thermal insulation materials, and installation work. Funding is provided by the National Development Institute.
Package H+ is therefore aimed at those who want not just a stove, but a complete heating solution — one that includes the costs of safety and energy efficiency.
Loan Terms and Rebate Amounts
The program is available to owners of private homes up to 300 sq. m. The interest rate is tiered: 0% per annum in year one, 5% in year two, and 7% in year three. According to UA.News, a borrower may choose one package or apply for both, provided they meet the program’s eligibility requirements. The government rebate is paid only once — to one individual under one loan agreement.
The minimum loan amount for any package is UAH 10,000. The principal rebate depends on the technical solution chosen:
- Package H (basic autonomous heating) — 10%;
- Package H+ (comprehensive autonomous heating) — 20%;
- Package G (generator) — 20%;
- Package GB (hybrid power supply system) — 25%;
- Package SGB (hybrid system with generator) — 30%.
The highest rebate — 30% — applies to the most comprehensive Package SGB, which combines a hybrid power plant with a generator. On the heating side, the maximum is 20% under Package H+.
How to Confirm Equipment Installation
Within 180 calendar days of receiving the funds, the borrower must provide the authorized bank with copies of purchase and installation documents (invoices, completion certificates, or equivalent), as well as a geotagged photo of the installed equipment showing its geographic coordinates. For heating equipment, an additional installation certificate or equivalent document must be submitted confirming that the stove, chimney, ventilation system, and fire protection elements have been installed and that the work meets safe-operation requirements.
Thereafter, throughout the term of the loan agreement, a geotagged photo confirming active use of the equipment must be sent to the bank every six months.
How Many Loans Have Already Been Issued
The Household Energy Resilience Program has been running since July 2024. As of July 24, 2026, six Ukrainian banks had signed 7,490 loan agreements with individuals for a combined total of approximately UAH 2.64 billion. The total installed capacity of backup equipment reached 64.65 MW. In 2026, UAH 801.5 million is earmarked for the expanded program from National Development Institute resources — without placing additional burden on the state budget.
These figures cover the period before Resolution No. 979 took effect and therefore reflect loans issued primarily for backup power supply, since heating Packages H and H+ only launched on July 31, 2026. The full list of energy-efficiency loans in Ukraine shows that Resolution No. 979 is just one of several instruments offering partial reimbursement on energy equipment for households.
For private homeowners preparing for the heating season who want to lower the cost of autonomous heating, Packages H and H+ offer the most direct route. It is worth comparing all available packages before applying — rebates range from 10% to 30% depending on whether the choice is heating, power, or a combined solution — and assessing which backup option (stove, generator, or hybrid) best addresses the specific risks of your home.
Prepared by the Alternative Energy editorial team with the help of AI based on the sources listed; facts and figures were checked against them during automated editorial review. How we prepare articles
