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EBRD and EU support a EUR100 million affordable housing initiative to support Ukraine’s recovery

10.12.2025 20:21 "Agro Perspectiva" (Kyiv) — Expanding affordable, energy-efficient housing

- EBRD signs EUR100 million loan facility to develop a scalable affordable housing platform

- EU supports platform to deliver affordable, energy-efficient rental homes in Kyiv region

- Project targets internally displaced and war veterans; future scale-up to 1,800 homes

The European Bank for Reconstruction and Development (EBRD) and the European Commission are supporting Ukraine’s housing recovery with a EUR100 million loan facility to support the development of a scalable and affordable housing platform in Ukraine. The financing will help deliver safe and sustainable housing for internally displaced persons (IDPs) and other vulnerable groups, addressing one of the country’s most pressing social needs.

The programme is led by developer and philanthropist Dell Loy Hansen, and supported by Hansen Ukrainian Mission (HUM), a non-profit organisation dedicated to housing solutions for displaced families he founded. Through HUM’s «Ladder to Prosperity» initiative, the project combines affordable rental and rent-to-own models to promote long-term housing security and economic integration.

EBRD financing will help Dell Loy Hansen and HUM demonstrate a scalable, private-sector-led approach to Ukraine’s housing recovery. Subsequent phases are expected to deliver 1,800 affordable homes across the Kyiv region by 2029.

The project will benefit from partial first-loss risk cover under the European Union’s Ukraine Investment Framework Municipal Infrastructure and Industrial Resilience Programme (UIF MIIR), strengthening the Bank’s capacity to support affordable housing solutions in Ukraine.

It will also benefit from donor-funded technical cooperation to strengthen its social and environmental impact. These will support human capital recovery and skills development through an apprenticeship scheme targeted primarily at IDPs, alongside the preparation of a tenant support action plan.

The programme will also include policy engagement to identify scalable private-sector models for affordable housing. Additional capacity-building will help implement best practices in environmental and social management. Both the Apprenticeship Programme and Policy Engagement assignments will be supported by the Slovak Republic through the Slovak Republic — EBRD TC Fund, with additional funding expected from the Action for Equality and Gender Multi-Donor Fund and bilateral donors.

This investment is closely aligned with the EBRD’s recently approved Real Estate Sector Strategy, which recognises the need to expand access to affordable and sustainable housing across its regions, and underscores EBRD’s commitment to resilience and inclusion in Ukraine, providing essential housing solutions while promoting gender-sensitive frameworks and green standards. By supporting this first phase, the Bank is helping lay the foundation for a broader housing recovery that will improve lives and strengthen social stability.

«Affordable, energy-efficient housing is essential to Ukraine’s reconstruction,» said Arvid Tuerkner, Managing Director for Ukraine and Moldova at the EBRD. «This investment, under the Resilience and Livelihoods Framework, reflects the EBRD’s strategic priorities in Ukraine by expanding reliable housing solutions that support the country’s broader recovery agenda.»

Vlaho Kojaković, EBRD Director for Real Estate, said: «This project marks a significant milestone for the implementation of our Real Estate Sector Strategy in Ukraine. By supporting scalable, private-sector-led affordable housing, we are demonstrating how the sector can contribute meaningfully to

Ukraine’s reconstruction and long-term resilience.»

Dell Loy Hansen said: «We’ve been pleased with the sincerity and dedication of the EBRD in delivering a meaningful amount of financing to materially impact the number of internally displaced persons with quality, environmentally acceptable and income-appropriate housing. The dedication, effort and commitment has been greater than we had expected. We are grateful to them for making such an important effort to help the internally displaced, forgotten elderly and Ukrainians struggling with low incomes. We are so proud to be a partner with EBRD in a joint effort to meet the extreme housing need that exists in Ukraine».

The EBRD has substantially increased its investments in Ukraine since Russia launched its full-scale war there in 2022, deploying more than ˆ8.5 billion to support energy security, vital infrastructure, food security, trade and the private sector.

The EU is providing support to this transaction with a first-loss guarantee from the Ukraine Investment Framework (UIF), the investment arm of the Ukraine Facility (UF). The provision of affordable housing to vulnerable groups and other Ukrainian citizens is an important priority of the UIF. The Hansen team has developed an innovative model for the provision of affordable housing in Ukraine — where charity grants are combined with borrowing from the EBRD backed by a guarantee from the EU.

This investment will also contribute to the ongoing housing reforms in Ukraine, where a new law on Social Housing is planned to be adopted by the end of 2026. This law is one of the milestones of the Ukraine Plan — the reform plan developed by Ukraine to get access to budget support through the UF.

Agro Perspectiva

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