eOselya
individual categories
Features of the programme
digital process of application by the borrower and obtaining a preliminary decision through Diia
the bank independently makes a decision on the loan, accredits developers, insurance companies, other participants in the process
the priority of the programme is the primary real estate market
○ Apartment, property rights to an apartment in a residential building, townhouse;
○ Area: for apartments – no more than 52.5 m² per person plus 21 m² for each additional family member; for residential houses – no more than 62.5 m² per person plus 21 m² for each additional family member;
○ Located within the territory of Ukraine, excluding temporarily occupied territories and areas of active hostilities;○ For contract servicemembers and law enforcement officers, medical professionals, educators, researchers, and veterans: a private house or an apartment in a building under construction or not older than 10 years (for regional centres and Kyiv);
○ For IDPs and others: a private house or an apartment in a building under construction or not older than 3 years;
○ Commissioned housing is subject to compulsory insurance
must not exceed the average cost of housing by region in Ukraine, as determined by the Ministry for Restoration*, multiplied by the relevant coefficients.
| 2 | for Kyiv, Dnipro, Lviv, Odesa, Kharkiv and regional centres, settlements located within 15 km from regional centres and Kyiv, settlements with a population of over 300,000 people |
| 1,75 | for settlements with a population of up to 300,000 people |
• If the cost per 1 м² of the chosen apartment exceeds the limit, the difference must be paid at the expense of the down payment.
the NBU has not applied any penalties for violation of mandatory norms and currency position limits at the time of consideration of the financing issue and during the past year
no sanctions have been imposed on the authorised entity or financial institution by the state of Ukraine, foreign member states of the Organisation for Economic Cooperation and Development, or the EU, within the last 12 months
existence of an information cooperation agreement between the lender, the Ministry of Digital Transformation, and the technical administrator of the Diia Portal, provided that the lender successfully passes the test for compliance with the technical requirements determined by the technical administrator of the Diia Portal
experience in mortgage lending
1
Conclusion of a general agreement and a loan agreement
✓ 3% bank loan
✓ form – nonrevolving line of credit / line of credit
✓ collateral – domestic government loan bonds (OVDPs)
2
tranche application
✓ the bank submits an application for a tranche (weekly/monthly*)
✓ a report on loans granted during the previous period is submitted with the application
3
tranche issuance
✓ UFHC checks the utilisation of the previous tranche
✓ Issues the tranche
4
concluding agreements with private individuals
✓ the bank issues loans to private individuals and forms a portfolio of loans for assignment
5
assignment of rights under loan agreements
✓ the bank collects loan files at the guarantee organisation on a monthly/quarterly basis for assignment, service agreement
✓ making changes to the registers
✓ repayment of the loan received at 3% interest at the expense of the funds received for the assigned portfolio
6
mortgage loan servicing
✓ accepting payments
✓ Amendments to contracts
✓ monitoring collateral and insurance
7
payment of commission fees
✓ commission for the Support – 4% per annum (4/7 of the amount of monthly interest payments received from the private individual)
8
reverse assignment of loans 180+ with payment*
✓ loan balance
✓ accrued interest at the rate of 3%
∗
✓ valid for the first 3 years from the date of loan disbursement
✓ for the market, an additional condition applies, but not earlier than the date of building commissioning
✓ exception are defaults caused by military operations
1
Conclusion of a general agreement, agency agreement, power of attorney agreement, agreement for the performance of financial monitoring functions
2
application from the private individual, preliminary loan decision
✓The bank receives an application from the private individual
✓The bank makes a decision on the loan according to its own rules
3
final decision
✓ The bank receives documents from the client and makes the final decision
✓ the bank notifies the client and the UFHC about the approved loan
✓ The UFHC replenishes the escrow account at the request of the bank
4
concluding agreements with private individuals and issuing loans
✓ the bank prepares a package of agreements on behalf of the UFHC
✓ the bank enters into agreements with the client on behalf of the UFHC
✓ the bank notifies the UFHC of the loan disbursement, sends copies of agreements and loan file documents
5
storage of the loan file
✓ The bank keeps the loan file and provides the original documents upon request of the UFHC
6
mortgage loan servicing
✓ accepting payments
✓ Amendments to contracts
✓ monitoring of collateral and insurance
✓ financial state
7
payment of commission fees
✓ commission for the support – 4% per annum (4/7 of the amount of monthly interest payments received from the private individual)
8
reverse assignment of loans 180+ with payment*
✓ loan balance
✓ accrued interest at the rate of 3%
∗
✓ valid for the first 3 years from the date of loan disbursement
✓ for the market, an additional condition applies, but not earlier than the date of building commissioning
✓ exception are defaults caused by military operations
- lend to certain socially important categories
- make IT improvements for integration with the Diia portal
- provide loan decisions to candidates within 24 hours, including on weekends
- lend to the primary real estate market and develop competencies in working with housing under construction
Banks That Have Already Completed the Process
of Providing Affordable Mortgage Loans to Citizens of Ukraine by the Private Joint Stock Company ‘Ukrainian Financial Housing Company’
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