There is a state energy efficiency loan financing program providing support for the energy efficiency of buildings (so-called "warm" loans). Under the program, the government reimburses individuals and multiapartment building associations for certain amounts spent on energy efficiency improvements.

On 17 October 2011, the Cabinet of Ministers of Ukraine approved the Procedure for Use of Funds Provided in the State Budget for the Implementation of Energy Efficiency and Energy-Saving Measures ("Procedure"), which is still effective. Under the Procedure, the loans taken out by individuals, housing associations and multiapartment building co-owners associations for acquiring energy-efficient equipment and facilities can be partly reimbursed. The general procedure is as follows:

• The multi-apartment building co-owners association/individual ("Applicant") applies to certain (most often, state-owned) banks for a loan to improve the energy efficiency of the building.
• The bank grants the loan and the Applicant performs energy efficiency measures.
• Upon completing the improvements, the Applicant submits receipts and other documents to the bank as confirmation of the performed measures. There is an established list of energy-efficient equipment and materials whose cost can be reimbursed.
• The bank submits these documents to the authorized state agency, which then reimburses a part of the costs of acquiring energy-efficient equipment and materials.
• The bank reimburses the Applicant for part of the money spent on acquiring energy-efficient equipment and materials.

As of November 2021, approximately 117,000 Ukrainian families had participated in this energy efficiency crediting program.