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Cache beck for a heat pump from 15 to 25% from the European Bank for Reconstruction and Development

Refund for a heat pump!

European Bank for Reconstruction and Development (EBRD) offers special lending to purchase energy -saving equipment. The Energy Source Program envisages favorable terms of credit, Flexible term, High availability, as well as A wonderful bonus - an investment encouragement in the form of a grant.

It is an opportunity not only to upgrade your home grid, but also get partial reimbursement in the form of a grant. It is particularly beneficial for those, Who plans to install solar panels, heat pumps or energy storage systems, Since it combines available lending and direct financial support from an international organization.

That can be purchased on credit?

Credit can be used to finance equipment, which meets the requirements of the EBRD:

Solar photoelectric systems:

  • Solar panels (necessarily)
  • Inverters
  • Lifepo batteries
  • Related costs (to 20% The cost of the project)
  • Models should be in GTS directory, Photoelectrician section.

Lifepo -based storage systems:

  • Battery systems and inverters
  • Portable power plants
  • Related costs (to 20%)

Heat pumps (review Catalog):

  • Types: air - air, Earth -Wood, air/water - water
  • Heating and/or hot water systems
  • Related costs (to 70%)
  • The model should be in gts.

Equipment requirements

  • Power - from 1 to 30 kW.
  • Producer not from the Russian Federation or the Republic of Belarus.
  • The seller's account must be specified VAT or absence.

Requirements for real estate

  • Can be a dwelling house, apartment, country house, garden house or taunched.
  • There are no restrictions on the area.
  • Borrower - owner/co -owner or family member (parents, husband or wife, children, grandchildren, son -in -law, The daughter -in -law).
  • Location - orange or green zone.

Basic terms of lending

Parameter Conditions
Interest rate (Changed), annual

UIRD index (3 miss.) + 7%
UIRD index (3 miss.)

Ukrainian Index Rates on Deposits of Individuals for a term of 3 months in UAH, Published daily on the NBU website: bank.gov.ua
The amount of the loan

from 100 000 UAH to 1 000 000 UAH inclusive
The term of lending

from 1 to 5 years
Advance contribution

from 0%
Single Credit Service Commission

1,5% from the amount of the loan issued
Intended purpose for loan

Purchase of a certain EBRD of energy equipment with the possibility of financing its installation, installation, components, consumables, delivery (In compliance with the EBRD requirements as to the maximum permissible share)
Insurance

Missing
Flag

Without pledge
Encouragement for the Customer from the EBRD

Investment encouragement (grant) in size 15%, or 25% For vulnerable customer categories - if the borrower confirms to the EBRD successful installation of equipment

Requirements for borrowers

1. General requirements

These conditions apply to all customers, who want to get a loan, Regardless of participation in the EBRD program:

1.1. Citizenship and residence

The client should be a citizen of Ukraine, or a citizen of another state, or a stateless person, residing in the territory of Ukraine legally. It must be tax resident of Ukraine.

1.2. Absence in sanction lists

Customer should not be included in any international or national sanction lists.

1.3. Age restrictions

The age of the borrower - from 21 to 70 years At the time of full repayment of the loan.

1.4. The area of residence

The place of residence or conducting the client's activity must be in orange or green area (according to zoning, which the bank applies).

2. EBRD Special Requirements

These additional conditions are valid for loans, issued within the EBRD program to finance energy efficient equipment:

2.1. Credit history

For the last 3 The years of the client should not be Delayer over 500 UAH and more than on 14 days. There should not be cases of debt restructuring during this period.

2.2. Requirements for FOP

  • An entrepreneur must operate at least 2 years.
  • The type of activity should not be included in the list of prohibited EBRD.
  • Should not be existing loans in this bank, executed on bail after 12.06.2024, which: have no guarantee of the Cabinet of Ministers of Ukraine or the EBRD; do not belong to government support programs.

2.3. Maximum debt

The total amount of the client's credit obligations and related persons cannot exceed 4 million UAH.

2.4. Prohibited categories

The borrower should not be included in The forbidden list of the EBRD.

2.5. Confirmation of targeted use of funds

For 180 calendar days Customer must provide the bank with documents, confirming the purchase and installation of equipment (Invoices, acts, Confirmation of delivery or work performed) and a photo with geolocation.

2.6. Getting a grant from the EBRD

To get an investment encouragement client must:

  • no later than because of 9 months After signing the loan agreement undergo a check of the project from the EBRD consultants;
  • Provide all documents, which will require the EBRD to confirm the success of installing equipment.

Grant size

  • 15% - For all customers, In addition to vulnerable categories.
  • 25% - for customers from vulnerable categories.

The percentage is charged from the smaller amount:

  • or from the loan amount,
  • or from the amount of expenses, funded by credit (Without VAT).

The exact grant size defines the EBRD after, How will the customer confirm the successful installation of equipment, purchased for credit.

Grant conditions

  • Timely appeal to the EBRD consultant to check the installation of equipment - no later than through 9 months from the date of receiving the loan.
  • Giving all the necessary documents, which confirm the purchase and installation of equipment.
  • Confirmation of the EBRD consultant, that equipment has been successfully installed and commissioned.
  • Credit should be active at the time of verification (not completely extinguished).

Grant payment

  • The grant is transferred to the euro into the borrower's account.
  • On the date of receipt of the loan, the client must have or open an account in the euro in Privatbank.

Which customer categories are vulnerable?

Customer category Documents to confirm status
Person, which were affected by the loss and/or damage of assets as a result of war in Ukraine (the amount of loss or loss ≥ 15% loan amounts)
  • Written certified confirmation of verified losses from the borrower (The form is an appendix 20 to the technological map);
  • State acts on damage (destruction) assets indicating the reasons;
  • Reports of independent estimators and/or photodocase of value and state of assets before and after damage;
  • Excerpt from the registry(Iv) assets damaged by war;
  • Applications for damages to an insurance company, police, court (together with extracts from the Criminal Proceedings Register);
War veterans and their family members (One spouse, Son/daughter, parents)

Certificate or extract from the Unified State Register of War Veterans:

  • veteran
  • participant of hostilities
  • persons with disabilities as a result of war
  • participant of the war
  • a family member of the dead war veteran
  • a family member of the deceased defender of Ukraine
  • a wounded participant of the Dignity Revolution
Internally displaced person (VPO) or IDPs, who returned to an abandoned place of permanent residence
  • Confirmation of the status of an internally displaced person and IDP certificate
  • A copy of the decision to recall or invalidate IDP certificate (In connection with the return), accepted by the appropriate social protection body
Persons with disabilities
  • Document, that confirms the status of a person with a disability
Persons from the territories, warned
  • Written confirmation from the borrower (The form is determined by the annex 21 to tk) and supporting documents (document, residence certifies, lease agreement, Excerpt from property register, etc.), which confirm, that the borrower lives in communities, mentioned in Order # 376 (territories where active fighting/occupation took place). Importantly: The borrower also had to live in these communities in the period of active fighting/occupation, that should also be confirmed by documented.

 

Our team has many years of experience with grant programs and lending in the field of energy efficiency and renewable energy sources.

We will explain the conditions of participation in detail, We will help with preparation of documents and accompany you at all stages - from applying to funding or grant.
Contact us! And you will get not only professional advice, but also a reliable partner, which is interested in your success.