Loan - military mortgage for the purchase of housing

Housing is becoming more affordable for Ukrainians thanks to innovations and state policy in this area. The affordable lending program has been launched on the "Diya" portal in test mode. The new state initiative will allow Ukrainians to purchase a home with a minimum down payment of 20% and make a payment for up to 20 years on favorable terms.

According to the Ministry of Economy, the mass launch of the program will take place in the second half of October. Then the service can be used in the Diya mobile application, and an application can be submitted in a few clicks.

Five banks are integrated into the program: "Oschadbank", "PrivatBank", "Ukrgasbank", "Sky Bank" and "Globus Bank", which are ready to start issuing the first loans.

You can apply in 5 minutes. And the service can take up to 3 working days.

Who can get affordable credit?

Citizens of Ukraine over the age of 18 at the time of signing the credit agreement who:

belong to one of the categories specified in Clause 3 of Resolution of the Cabinet of Ministers No. 856 of August 2, 2022, in particular, servicemen of the Armed Forces under contract, the SBU, the Foreign Intelligence Service, the Main Intelligence Directorate of the Ministry of Defense, the National Guard, the State Border Service, the State Security Department, State Special Communications, State Transport Service, military prosecutors of the Prosecutor General's Office, members of the ranks and senior ranks of the State Emergency Service, employees of the Judicial Security Service, senior members of the Special Operations Department of the National Anti-Corruption Bureau, police officers and their family members; war veterans and their family members; participants in hostilities, persons with disabilities as a result of war, families of deceased (deceased) war veterans; medical workers, educators and scientists, as well as internally displaced persons;

other citizens of Ukraine owning less than 52.5 square meters. meter of the total area of residential real estate for a family of one person (single person), and an additional 21 square meters. meter - for each subsequent member of the family (real estate located in the area of hostilities or in the territory under temporary occupation is not taken into account);

do not belong to the persons under sanctions and are not in the register of oligarchs;

do not have active concessional state mortgages and leasing contracts.

The candidate's age on the date of full fulfillment of obligations under the credit agreement must not exceed 70 years.

The candidate and his family members (if they act as guarantors under the credit agreement) must be solvent and able to make repayment and service payments.

How to apply for a subsidized state mortgage?

1. Register or log in to the citizen's office at diia.gov.ua using an electronic signature, Diya. Signature or BankID.

2. Go to the eOsel service.

3. Check your personal data from the citizen's office on the Portal. Adjust them as needed, as they will be submitted in the mortgage application.

4. Choose the applicant category to which you belong by place of employment. Be careful, only citizens of Ukraine who belong to one of the categories specified in Clause 3 of Resolution of the Cabinet of Ministers No. 856 of August 2, 2022 can apply for a mortgage.

5. Enter your marital status, data of the other spouse, if you are in an official or civil marriage, the number of minor children under 18 who will live with you, and the average monthly family income.

6. Enter data about the desired housing and the bank to which you want to send the application. Only one bank can be selected in one application.

7. Check the application, sign with an electronic signature and send.

8. Wait for a message about further steps to the specified email address. The answer will also be available in the "Attention" section of the citizen's office on the "Action" portal.

The application can be processed in the bank for up to 3 working days. Based on the result of consideration of the provided data, the bank will contact you by phone or e-mail and inform you about the next steps.

This year, the first stage of implementation of the "eOselya" program will begin. Population categories defined in the resolution will receive affordable loans at 3% per annum. These are military and law enforcement officers; doctors; education workers; scientists

The detailed conditions of lending under the "eOselya" program are set out in the Decree of the Cabinet of Ministers of Ukraine dated August 2, 2022 No. 856 "Some issues of providing affordable mortgage lending to citizens of Ukraine by the private joint-stock company "Ukrainian Financial Housing Company".