Government Projects
The program aims to help Ukrainians purchase housing on favorable terms, which will help improve living conditions for a wide range of citizens, including military personnel, doctors, teachers, scientists, veterans, internally displaced persons and other categories in need of better housing.
єОселя
The eOselya program – is a government initiative aimed at supporting citizens in purchasing their own housing
Categories of participants
- Military personnel, law enforcement officers, doctors, teachers, scientists.
- Internally displaced persons (IDPs) and their families.
- Other citizens who do not own housing or own housing whose area is less than the state standards.
Interest rates
- For privileged categories: 3% p.a. for the first 10 years, with a further increase to 6% .
- For other categories: 7% per annum, with an increase to 10% from the 11th year .
Real estate
- It is possible to purchase new or commissioned housing not more than 3 years ago (for most citizens).
- IDPs can purchase housing up to 10 years old in certain regions.
Down payment
- For persons aged 18 to 25 years - at least 10% of the cost of the apartment.
- For persons over 25 years of age - at least 20%.
Consultation
The eOselya program is a real opportunity to improve your living conditions on favorable terms, thanks to affordable interest rates and government support.
- Call +380677088809
- The first step is to get a consultation from specialists. You will learn about the terms of the program and be able to assess your chances of getting a mortgage.
- You need to prepare basic documents, such as your passport, identification code, income statement for the last 6 months and other necessary documents.
- After the consultation and collection of documents, your application is submitted to a bank participating in the eHouse program.
- The bank checks the documents and makes a decision on granting a loan. After a positive decision, a loan agreement is concluded, and you become the owner of the housing.
The eOselya program is a real opportunity to improve your living conditions on favorable terms, thanks to affordable interest rates and government support.
Low interest rate
The program offers a preferential rate of 3% per annum for military personnel, doctors, scientists and teachers, which is significantly lower than market mortgage lending conditions. For other citizens, the rate is 7% per annum, which is also an attractive offer.
Opportunity for young people
For young people aged 18 to 25, the down payment is reduced to 10%, which makes it faster and easier to solve the housing issue in the early stages of their career.
Accessibility for IDPs
Internally displaced persons have expanded opportunities to participate in the program. They can buy housing up to 10 years old in certain regions, which gives them more options to choose from.
Opportunity to buy new housing
The program is focused on the purchase of new or recently built housing (no more than 3 years ago), which allows participants to get quality housing with modern conditions.
Purchase of private houses
In addition to apartments, the program allows you to purchase private houses under construction, which expands the choice of housing for customers who want to have their own home.
Benefits and compensations
The program provides an opportunity to receive interest rate compensation for certain categories of the population, such as military personnel, law enforcement officers, doctors and teachers, which makes mortgages even more affordable.
Flexible terms for large families and other privileged categories
The program provides for a reduced interest rate, the possibility of early repayment of the loan without penalties, as well as a simplified procedure for submitting documents for large families.
State support for down payments
Participants can use state aid or eRestore certificates to pay the down payment, which eases the financial burden of purchasing a home.
These advantages make the eOselya program beneficial and accessible to a wide range of citizens, contributing to the improvement of housing conditions across the country.
The program offers a preferential rate of 3% per annum for military personnel, doctors, scientists and teachers, which is significantly lower than market mortgage lending conditions. For other citizens, the rate is 7% per annum, which is also an attractive offer.
Opportunity for young people
For young people aged 18 to 25, the down payment is reduced to 10%, which makes it faster and easier to solve the housing issue in the early stages of their career.
Accessibility for IDPs
Internally displaced persons have expanded opportunities to participate in the program. They can buy housing up to 10 years old in certain regions, which gives them more options to choose from.
Opportunity to buy new housing
The program is focused on the purchase of new or recently built housing (no more than 3 years ago), which allows participants to get quality housing with modern conditions.
Purchase of private houses
In addition to apartments, the program allows you to purchase private houses under construction, which expands the choice of housing for customers who want to have their own home.
Benefits and compensations
The program provides an opportunity to receive interest rate compensation for certain categories of the population, such as military personnel, law enforcement officers, doctors and teachers, which makes mortgages even more affordable.
Flexible terms for large families and other privileged categories
The program provides for a reduced interest rate, the possibility of early repayment of the loan without penalties, as well as a simplified procedure for submitting documents for large families.
State support for down payments
Participants can use state aid or eRestore certificates to pay the down payment, which eases the financial burden of purchasing a home.
These advantages make the eOselya program beneficial and accessible to a wide range of citizens, contributing to the improvement of housing conditions across the country.
What documents are required to participate in the program?
Passport, identification code, income statement, real estate documents, and other documents as required by the bank.
Can I repay the loan early?
Yes, there is a possibility of early repayment without penalties.
How do I choose a bank to get a loan?
We cooperate with several partner banks and will help you choose the best option.
What is the maximum loan amount?
The maximum loan amount is determined depending on the value of the property and the borrower's solvency.
What should I do if a bank refuses to give me a loan?
If one bank refuses, we will help you prepare documents and contact other partner banks to find the best option for you.
eRestoration provides financial assistance in the form of a certificate for the purchase of new housing or a cash payment for independent reconstruction. This program provides a transparent and understandable process of receiving compensation for affected citizens.
єВідновлення
The eRestoration program is aimed at supporting owners of housing that was completely destroyed due to the hostilities.
Funds are provided if your home:
Destroyed due to hostilities after February 24, 2022.
Destroyed due to hostilities after February 24, 2022.
- After the entry into force of the Decree of the President of Ukraine “On the introduction of martial law in Ukraine” of February 24, 2022 No. 64/2022.
- The service is currently available to homeowners in the non-occupied territory. Over time, compensation will become available to all.
- Recognized as uninhabitable after an assessment by the commission.
- The application can be submitted by a person who has the right of ownership of the dwelling.
Submitting a report on destroyed property
- Submit a report in the application or on the Diia portal if you have not submitted it before.
- Submit an application in the Diia app.
- Wait until you receive a certificate for the purchase of a new home.
- Submit an application in the Diia app to reserve funds and wait for the reservation to be confirmed.
- Sign the contract, indicating the certificate as a payment method. The reserved funds will be credited to the property seller's account.
Transparency and clarity of the process.
- Clear and understandable procedure for receiving compensation.
- An opportunity to receive a certificate for the purchase of new housing or a cash payment for construction.
- Use of the certificate to purchase housing on the primary or secondary market or invest in a property under construction.
- The certificate is valid for 5 years from the date of receipt.
What documents are required to participate in the program?
You need to submit a report of the destroyed property to Diia, an application for payment, and documents confirming your ownership of the property.
Can I receive cash compensation instead of a certificate?
Yes, you can later receive a cash payment for construction. This will become available during the second stage of the program.
How long is the certificate valid for?
The certificate is valid for 5 years from the date of receipt.
Can I use the certificate to purchase housing on the secondary market?
Yes, the certificate can be used to purchase housing in both the primary and secondary markets.
How do I know when the certificate is ready?
You will be notified when the certificate is ready in the Diia app. You can also receive it to the email address specified during the application process.
You need to submit a report of the destroyed property to Diia, an application for payment, and documents confirming your ownership of the property.
Can I receive cash compensation instead of a certificate?
Yes, you can later receive a cash payment for construction. This will become available during the second stage of the program.
How long is the certificate valid for?
The certificate is valid for 5 years from the date of receipt.
Can I use the certificate to purchase housing on the secondary market?
Yes, the certificate can be used to purchase housing in both the primary and secondary markets.
How do I know when the certificate is ready?
You will be notified when the certificate is ready in the Diia app. You can also receive it to the email address specified during the application process.
The program provides a unique opportunity for combatants, internally displaced persons (IDPs) and other categories of people registered with the housing authorities in Kyiv to rent housing with a preemptive right to buy it on favorable terms.
Домівка+
The Home+ program was created to support people who want to rent housing with the possibility of buying it later.
Program participants
Citizens who do not belong to the above categories of population.
Tenant's payments under the terms of the agreement
- Combatants and their family members who are registered for housing in Kyiv.
- Internally displaced persons (IDPs) who are registered with the housing authorities in Kyiv.
Citizens who do not belong to the above categories of population.
Tenant's payments under the terms of the agreement
- Rent (remuneration of the Lessor): monthly.
- Accumulative payment: the cost of the object is divided into the number of months under the agreement (maximum 120 months), monthly by the 5th day.
- When entering into the Lease Agreement, the cumulative payment for the first and last months is paid.
- Reserve for unforeseen expenses (3% of the apartment price): paid as a one-time payment upon conclusion of the Lease Agreement.
- Insurance payment (apartment insurance): paid annually.
- Utility payments: paid monthly according to the bills.
Choosing an apartment from the list
- Submitting a statement of intent to enter into a transaction.
- Signing the Lease Agreement.
- After the tenant decides to purchase the apartment, the relevant agreement is executed.
Favorable rental conditions
Preemptive right of redemption
Financial transparency
Flexibility to use the accumulative payment
Additional benefits
- Reduced rent for combatants and IDPs.
Preemptive right of redemption
- Opportunity to purchase rented housing as property.
Financial transparency
- Clearly defined monthly payments and contract terms.
Flexibility to use the accumulative payment
- Payments can be split over a period of up to 120 months.
Additional benefits
- Cumulative payment, contingency reserve, insurance payment and utilities are included in the program.
Who can benefit from the Home+ program?
Combatants, internally displaced persons (IDPs) and other citizens who are registered with the housing authorities in Kyiv.
What expenses does the program cover?
The rent, the accumulative payment, the reserve for unforeseen expenses, the insurance payment, and utilities.
How to conclude a lease agreement with a preemptive right of redemption?
You need to choose an apartment from the list, submit a statement of intent to enter into an agreement, and sign the relevant agreement.
Can I buy an apartment before the end of the lease term?
Yes, the tenant can decide to purchase an apartment at any time by signing a purchase agreement.
What documents are required to participate in the program?
The required documents include a statement of intent to enter into an agreement, documents confirming the right to benefits (for combatants and IDPs) and other necessary documents.
Combatants, internally displaced persons (IDPs) and other citizens who are registered with the housing authorities in Kyiv.
What expenses does the program cover?
The rent, the accumulative payment, the reserve for unforeseen expenses, the insurance payment, and utilities.
How to conclude a lease agreement with a preemptive right of redemption?
You need to choose an apartment from the list, submit a statement of intent to enter into an agreement, and sign the relevant agreement.
Can I buy an apartment before the end of the lease term?
Yes, the tenant can decide to purchase an apartment at any time by signing a purchase agreement.
What documents are required to participate in the program?
The required documents include a statement of intent to enter into an agreement, documents confirming the right to benefits (for combatants and IDPs) and other necessary documents.
The program “Housing for IDPs” is aimed at supporting internally displaced persons (IDPs) who were forced to leave their homes due to military aggression. It provides an opportunity to get a preferential housing loan to purchase their own housing. Our goal is to provide IDPs with affordable and safe housing so that they can rebuild their lives and find stability.
Кредит для ВПО
Loan for IDPs funded by German government grants provided through KFW Development Bank.
Program participants
Internally displaced persons (IDPs) who are registered with the housing authorities.
Main conditions
Additional conditions
Internally displaced persons (IDPs) who are registered with the housing authorities.
Main conditions
- The applicant and his/her family members do not have any living space, except for real estate in the territories of active hostilities or temporarily occupied territories.
- Confirmation of the candidate's solvency.
- Consent to access credit history and transfer information to the Credit Bureau.
- Deposit to a personal account of at least 6% of the cost of housing and funds for the area exceeding the standard.
Additional conditions
- The loan cannot be granted to persons who have previously received state support for the purchase of housing, except when the housing is located in the territories of active hostilities or temporarily occupied territories.
Submitting an application
- Apply for the program through the relevant authority.
- Provide all the necessary documents to confirm eligibility for the program.
- Pass the assessment of solvency and credit history.
- Find and agree on the purchase of housing in accordance with the terms of the program.
- Sign a loan agreement and make a down payment.
Preferential interest rate
- The interest rate for using the loan is only 3% per annum.
- The loan repayment period is up to 30 years, but no longer than until the borrower reaches the age of 65.
- The down payment is not less than 6% of the cost of housing.
- The loan is calculated based on the standardized area and the contractual value of the housing.
- Assistance at every stage from application to purchase of housing.
Who can use the program “Housing for IDPs”?
Internally displaced persons who are registered with the housing authorities.
What are the main requirements for obtaining a loan?
Lack of living space, proof of solvency, payment of 6% of the cost of housing.
What is the interest rate on the loan?
The interest rate is 3% per annum.
What is the loan term?
The loan repayment period is up to 30 years, but no longer than until the borrower reaches the age of 65.
Can I choose any housing for purchase?
Yes, but the housing must meet the terms of the program and the standard area.
Internally displaced persons who are registered with the housing authorities.
What are the main requirements for obtaining a loan?
Lack of living space, proof of solvency, payment of 6% of the cost of housing.
What is the interest rate on the loan?
The interest rate is 3% per annum.
What is the loan term?
The loan repayment period is up to 30 years, but no longer than until the borrower reaches the age of 65.
Can I choose any housing for purchase?
Yes, but the housing must meet the terms of the program and the standard area.
Please leave your phone number
+380677088809