Today, January 26, Cabinet Resolution No. 1357 dated December 22, 2023 comes into force, which introduced a number of changes regarding the state mortgage program “Eoselya”. This is stated in the publication of the Legal Advisor for IDPs on Facebook.
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You can buy a residential building
From now on, you can also purchase a residential building within the framework of the Yoselya mortgage program. A residential building means both an individual house and a block house – the so-called cottage or townhouse.
Previously, only an apartment in a residential building could be purchased with an affordable loan.
Housing that cannot be taken in mortgage
The list of housing that cannot be taken out on a mortgage has been clarified:
- a residential building accepted for operation earlier than 10 years before the date of conclusion of the contract, if such a property is located in Kyiv or a regional center; a residential building accepted for operation earlier than 3 years before the date of concluding the mortgage agreement, for IDPs and other citizens who do not have housing, or whose housing is less than the norm provided by law; property rights to a residential building under construction; a residential building located on a plot of land that does not belong to residential and public development lands; country house or garden house.
The area of the house that can be taken out for a mortgage
Thus, the standard area of a residential building provided for a family with one person (single person) is no more than 62.5 square meters. meters of total area and an additional 21 sq. meter – for each next family member.
That is, the maximum area for a family of 4 persons is 125.5 sq.m.
Who can use the program
Today, both representatives of certain professions and citizens who do not own housing or want to improve its conditions can use the “єOselya” program.
For contract servicemen of the Armed Forces of Ukraine, teachers, doctors and scientists, the preferential rate is 3% per annum. For other categories – combatants, veterans, IDPs, and other citizens – the mortgage rate is 7%.
The eOselya program began its work in October 2022. The program is being implemented by the Ministry of Economy together with the Ministry of Digital Development and PJSC Ukrfinzhilye. The partner banks of “Eosel” are Oschadbank, Privatbank, Ukrgasbank, Globus Bank, Sky Bank, Ukreximbank and Sense Bank.
The “Ministry of Finance” wrote that from the beginning of the program “ єOselya” loans were received by 6,757 families for a total amount of UAH 10.2 billion. 1,200 of them took out loans under the terms of a mass mortgage for a total of UAH 2 billion.
In 2023, according to plans announced by the government, it was planned to provide loans under the “Eoselya” program acquisition of 10 thousand apartments. As of October, less than 4 thousand families received housing.