- Military personnel under contract from the Armed Forces, Security Service of Ukraine, Foreign Intelligence Service of the Main Directorate of Intelligence of the Ministry of Defence of Ukraine, the National Guard of Ukraine, State Security Administration, State Special Communications Service, State Special Transport Service, military prosecutors of the Office of the Prosecutor General, employees of the State Emergency Service, officers of the Judicial Protection Service, senior officers of the Special Operations Department of the National Anti-Corruption Bureau, detectives and senior detectives of the National Anti-Corruption Bureau, rank and file personnel of the State Bureau of Investigation, detectives and officers of the Bureau of Economic Security, police officers and their families.
- Medical workers – specialists and professionals in state and municipal healthcare institutions.
- Pedagogical workers in state and municipal educational institutions.
- Scientific and scientific-pedagogical staff of state or municipal educational institutions and research institutions.
- War veterans and their families, combatants, persons with disabilities as a result of war, families of the deceased (fallen) war veterans as defined by Article 10 of the Law of Ukraine “On the Status of War Veterans, Guarantees of Their Social Protection,” and families of deceased (fallen) Defenders of Ukraine.
- Internally displaced persons.
- Other citizens who do not own housing or whose housing area is less than 52.5 m² + 21 m² for each additional family member.
○ 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.
*Current indicators of the cost of housing construction.
Having reviewed the programme conditions, he decided to buy an apartment in Vinnytsia.
Oleksandr lives alone, so the normative area size of the housing for him is 52.5 m².
He found an apartment in a building constructed in 2015.
He calculated the standard cost of housing as follows: found the cost of housing in the Vinnytsia region (20,431 UAH/m²) and multiplied it by the coefficient for regional centres (2).
Thus, the standard cost per 1 м² of his housing is 40,862 UAH.
| Total cost of the housing (52.5 m² x 40,862 UAH) | 2 145 255 UAH |
| Initial down payment (20% of the total cost) | 429 051 UAH |
| Total loan expenses | 525 615 UAH |
| Monthly payment (considering the effective interest rate of 3.94% per annum) | 11 369 UAH |
| One-time loan origination fee | 8 581 UAH |
| One-time mandatory state pension insurance fees | 21 453 UAH |
| Annual property insurance (for the mortgaged property) | 5 363 UAH |
| Appraiser’s fee, one-time | 1 221 UAH |
| Notary services, one-time | 7 900 UAH |
* vary depending on the banks
2
Receive offers from banks, choose one
3
Undergo data and document verification at the selected bank
4
Find the property you plan to purchase and provide the necessary documents to the bank
5
Sign a contract with the bank and a purchase agreement for the chosen apartment
for providing affordable mortgage lending to citizens of Ukraine by the private joint-stock company Ukrainian Financial Housing
Company under the eOselya programme from 1.08.2023
As a leading financial institution, Ukrfinzhytlo participates in the implementation of national and international customer identification standards, in particular the requirements of the Law of Ukraine dated 06.12.2019 No. 361-IX ‘On Prevention and Counteraction to Legalisation (Laundering) of Criminal Proceeds, Terrorist Financing and Financing of Proliferation of Weapons of Mass Destruction’ (as amended), the Regulation on Financial Monitoring by Institutions, approved by Resolution of the Board of the National Bank of Ukraine No. 107 dated 28.07.2020 (as amended). In order to establish (continue) business relations, please answer the questions of this Questionnaire and send it to info@ukrfinzhytlo.in.ua by signing the QES.
Instructions for signing are available here
You can apply for the programme in the Diia mobile application, Services section.
To apply, follow these steps:
1. Select eOselya in the Services section.
2. Fill in the information about the family composition.
3. Provide the identification number of your spouse and the average monthly family income.
4. Provide information about the property you plan to buy on credit.
5. Choose a bank and certify the application with your electronic digital signature.
6. Receive a response from the bank.
The response to the application will be sent to the Diia mobile application.
After reviewing the application submitted in electronic form, banks send a message to the candidate within 24 hours with a preliminary offer of affordable mortgage lending.
In accordance with the Resolution of the Cabinet of Ministers of Ukraine No. 856 dated 2 August 2022, citizens of Ukraine who belong to one of the following categories can participate this year:
1. Military personnel under contract from the Armed Forces, Security Service of Ukraine, Foreign Intelligence Service of the Main Directorate of Intelligence of the Ministry of Defence of Ukraine, the National Guard of Ukraine, State Security Administration, State Special Communications Service, State Special Transport Service, military prosecutors of the Office of the Prosecutor General, employees of the State Emergency Service, officers of the Judicial Protection Service, senior officers of the Special Operations Department of the National Anti-Corruption Bureau, detectives and senior detectives of the National Anti-Corruption Bureau, rank and file personnel of the State Bureau of Investigation, detectives and officers of the Bureau of Economic Security, police officers and their families.
2. Medical workers, in accordance with the Order of the Ministry of Health of Ukraine of 29 March, 2002, No. 117 ‘Guide on Qualification Characteristics of Professions’. Issue 78. Healthcare’ (ALPHABETICAL INDEX OF PROFESSIONS – sections “PROFESSIONALS”, “SPECIALISTS”).
3. Pedagogical staff of educational institutions of state or municipal ownership, in accordance with the Resolution of the Cabinet of Ministers of Ukraine of 14 June 2000 No. 963 ‘On Approval of the List of Positions of Pedagogical and Scientific-Pedagogical Workers’ (section ‘Positions of Pedagogical Staff’).
4. Scientific (scientific and pedagogical) employees of educational institutions and scientific institutions of state or municipal ownership; in accordance with Article 31 of the Law of Ukraine ‘On Scientific and Scientific-Technical Activity’ (Article 31 ‘Positions of Scientific Employees’) in accordance with the Resolution of the Cabinet of Ministers of Ukraine of 14 June 2000 No. 963 ‘On Approval of the List of Positions of Pedagogical and Scientific-Pedagogical Workers (section ‘Positions of Scientific and Pedagogical Workers of Educational Institutions of III-IV Accreditation Level’).
All citizens who comply with the Terms and Conditions for Provision of Affordable Mortgage Lending by Private Joint Stock Company ‘Ukrainian Financial Housing Company’ to Citizens of Ukraine, approved by the Resolution of the Cabinet of Ministers of Ukraine No. 856 dated 02.08.2022, can already apply for participation in the programme in the Diia mobile application.
According to the Order of the The Ministry for Communities, Territories and Infrastructure Development of Ukraine No. 408 dated 01.07.2023, the indicators of the indirect cost of housing construction by regions of Ukraine (calculated as of 01 July 2023) were approved.
To calculate the loan amount, the following criteria are taken into account: the maximum cost of 1 sq.m. of housing should not exceed the indirect cost of housing construction by region of Ukraine, determined by the Ministry of Regional Development, increased by the relevant coefficients:
○ 2.0 for Kyiv, Dnipro, Lviv, Odesa, Kharkiv, and regional centres, cities with a population of over 300 thousand people, settlements located at a distance of up to 15 km from the boundaries of Kyiv and regional centres;
○ 1.75 for cities with a population of up to 300 thousand;
You can choose an apartment or a private house. The housing must meet the following conditions:
1. The property is located on the territory of Ukraine (except for residential real estate located in the territories of active hostilities and/or temporarily occupied by the Russian Federation, included in the List of territories where hostilities are being (were) conducted or territories temporarily occupied by the Russian Federation, approved by the Ministry of Reintegration, for which the date of completion of hostilities or temporary occupation has not been determined;
2. Normative area size of the housing:
○ for an apartment in an apartment building: no more than 52.5 sq.m. per person + 21 sq.m. for each additional family member○ for a private house or townhouse: no more than 62.5 sq.m. for one person + 21 sq.m. for each additional family member.
3. Requirements for the term of commissioning the housing:
○ For contract servicemembers of the Armed Forces of Ukraine, teachers, medical professionals, scientists and war veterans, an apartment, house or townhouse, if such a property is located in Kyiv or in a regional centre, must have been commissioned no more than 10 years ago;○ for other categories of borrowers, the apartment, house or townhouse must have been commissioned no more than 3 years ago.
Yes, you can. You will be able to cover the excess amount of the maximum cost per 1 sq.m. of housing and the normative area size at the expense of the down payment.
- a family of one person – 52.5 sq.m;
- two persons (husband + wife/mother/child) 52.5 + 21 = 73.5 sq.m;
- three persons (husband + wife + child) 52.5 + 21 + 21 = 94.5 sq.m.
Currently, the following banks are integrated into the program:
- JSC ‘OSCHADBANK’;
- JSC CB ‘PRIVATBANK’;
- JSB ‘UKRGASBANK’;
- JSC CB GLOBUS;
- JSC ‘SKY BANK’;
- JSC ‘SENSE BANK’
- JSC ‘BANK CREDIT DNIPRO’
- TASCOMBANK JSC
- PJSC ”MTB BANK”
- JSC BANK FOR INVESTMENTS AND SAVINGS
Detailed terms and conditions of the programme are available on the website of PJSC Ukrfinzhytlo and on the company’s official pages in social networks.
240 months.
The rate should not exceed 0.25% per annum of the value of the mortgaged property agreed by the lender. In case of insurance of additional risks of damage to housing as a result of hostilities – 1% per year of the value of the mortgaged property agreed by the lender.
Yes, you can. However, only on condition that the candidate and his/her family members own less than 52.5 square metres of total residential real estate for a family of one (single person) and additional 21 square metres for each additional family member. Real estate located in the area of military (combat) operations or in the territory under temporary occupation, encirclement (blocking), as defined in the List of territorial communities located in the area of military (combat) operations or under temporary occupation, encirclement (blocking), as defined by the Order of the Ministry for Reintegration of the Temporarily Occupied Territories of Ukraine No. 309 dated 22.12.2022, including the temporarily occupied territory of the Autonomous Republic of Crimea and the city of Sevastopol.
Yes, you can. The eOselya programme provides an opportunity to purchase an apartment in a new building or property rights to an apartment in a building under construction. The list of developers and objects where you can buy an apartment or property rights under the programme can be found at the following link – https://ukrfinzhytlo.in.ua/mapp/
No paper documents are required to submit an application. After the candidate receives a loan decision on the application in Diia, the bank will provide the list of original documents required for the loan.
Loan disbursement involves the following steps:
-Application submission
-consideration of the application by the bank;
– the bank making a decision on the loan and providing the candidate with a list of documents required for the loan;
– submission of documents of the borrower, his/her family members and guarantor (if any), as well as the mortgaged property to the bank;
-execution of banking agreements (loan, mortgage, surety, insurance, etc.)
– disbursement of a loan, receipt of loan funds.
Yes, the terms and conditions will change. If a borrower belonging to a privileged category changes his/her job and loses the right to compensation of a part of the interest rate, he/she continues to repay the loan with the base interest rate under the programme – 7% per annum.
Example: A healthcare worker worked in a state-owned institution and received a loan at 3% per annum. Three years later, he moved to a commercially owned healthcare facility. Since under the terms of the programme, only healthcare professionals working in state-owned and municipally owned institutions are entitled to the compensation rate, he will repay the rest of the loan at the base interest rate of 7%.
Yes, you are. According to Article 166 of the Tax Code of Ukraine (hereinafter the TCU), a taxpayer is entitled to a tax deduction as one of the types of expenses allowed to be included in the tax deduction is the reimbursement of a part of the interest paid by the taxpayer for the use of a residential mortgage loan.
The grounds for the tax deduction with the indication of specific amounts are reflected by the taxpayer in the annual tax return, which must be submitted by December 31 of the year following the reporting tax year. The total amount of the tax deduction may not exceed the taxpayer’s annual gross taxable income accrued as salary, reduced according to the provisions of clause 164.6 of Article 164 of the TCU.
Please note that the central executive authority implementing the state tax policy provides free explanations of the procedure for confirming the rights to a tax deduction and and submitting a tax declaration, including through relevant trainings, seminars, etc., and ensures that tax return forms for this tax and other calculations provided for in this section are provided free of charge by the controlling authorities upon the first request of the taxpayer. For more information, please contact the state tax service at the place of registration.
No, you do not. In accordance with clause 15-1 of the Procedure for payment of the compulsory state pension insurance contribution on certain types of business transactions, approved by the Resolution of the Cabinet of Ministers of Ukraine dated 3 November 1998 No. 1740 (as amended), the mandatory state pension insurance fee on transactions of purchase and sale of real estate is paid by individuals purchasing real estate in the amount of 1% of the value of real estate specified in the contract of sale of such property, except for citizens who purchase housing and are on the waiting list for housing or purchase housing for the first time.