Icon
Come back

2 min

12 Oct. 2024

21475

eOselya: how to get a loan for your own home and how many Ukrainians have already received money

Cost of living
Popular
Finance
Ukraine
eOselya: how to get a loan for your own home and how many Ukrainians have already received money

The eOselya program provides Ukrainians with the opportunity to obtain a loan to purchase their own home. Launched by the President of Ukraine, this initiative aims to provide housing for those who do important work for the state. Learn more about how many Ukrainians have already received mortgage loans in 2024 and how to participate

Order Visit Ukraine branded merchandise and support Ukraine (worldwide delivery)
Order Visit Ukraine branded merchandise and support Ukraine (worldwide delivery)
BUY


‘eOselya is a government initiative that provides affordable housing loans to those who sacrifice their lives to defend their homeland, treat and educate Ukrainian citizens.

We will tell you how to take part in the programme, what the terms are and how many people have already benefited from it.

The eHouse affordable housing loan programme: details


Who is eligible for the programme?


- Internally displaced persons and their families;
- Contract servicemen and their families: defenders of Ukraine and security forces.

- Healthcare professionals: specialists of healthcare institutions in state and municipal ownership.

- Teachers: employees of educational institutions in state and municipal ownership.

- Scientific and scientific-pedagogical workers: employees of educational and scientific institutions in state or municipal ownership.

Loan terms and conditions


- The preferential interest rate for the entire loan term for contract servicemen of the Armed Forces of Ukraine, security forces, teachers, doctors and scientists is 3%. For combatants, veterans, IDPs and other citizens - 7%;

- the maximum loan term is 20 years;

- minimum down payment - 20%. For young people under 25 years of age - 10%;

Currently, you can apply for the programme at the following banks: Oschadbank, PrivatBank, Globus Bank, Ukrgasbank, Sky Bank. It is noted that the list of banks will be updated.

Updated rules of the eHouse programme in 2024


On 4 October 2024, the Government of Ukraine made changes to the eHouse programme. From now on, certain categories of the population are allowed to buy housing up to 10 years old. Let's take a closer look.

Internally displaced persons and their families have the opportunity to purchase apartments built no earlier than 2014 throughout Ukraine. The same option is available for military personnel, law enforcement officers, healthcare professionals, educators, scientists, veterans and their families, but only in five regions: Chernihiv, Sumy, Kharkiv, Zaporizhzhia and Kherson.

In other regions, representatives of the above-mentioned professions and veterans are restricted from purchasing housing that is less than three years old. This rule also applies to all other Ukrainian citizens, regardless of their place of residence.

This approach is intended to stimulate the development of housing stock in the regions affected by military operations, while supporting the construction industry across the country by meeting the demand for new housing.

The new rules of the eHouse programme will come into effect one month after their official publication. However, special conditions for housing purchased for the benefit of internally displaced persons will be in effect from 18 December.

Who can participate in the eHouse programme?


- Citizens of Ukraine over the age of 18 at the time of loan disbursement.

- Not older than 70 years at the time of loan repayment.

- Solvent individuals.

- Persons who do not have their own housing at all or it is

- less than 52.5 m² + 21 m² for each additional family member (your spouse and minor children living with you);

- is located in the area of hostilities or in the temporarily occupied territory;

- You are not on the sanctions lists.

- The person does not participate in other existing state housing programmes.

How many families received a loan to buy a house under the eHouse programme in 2024?


As of 2024, 13,000 families have taken out loans under the eHouse programme, concluding mortgage agreements worth over UAH 21 billion.

As already mentioned, the programme is open to representatives of various professions and citizens who do not own their own housing or want to improve its conditions.

Contract servicemen of the Armed Forces of Ukraine, teachers, doctors and scientists are entitled to a preferential rate of 3% per annum, while other categories, such as combatants, veterans, IDPs and other citizens, are entitled to a mortgage rate of 7%.




Visit Ukraine on social media: Telegram | YouTube | Instagram | Facebook | Twitter | TikTok




How to get a home under the eHouse programme: the algorithm of actions


1. Apply through the Diia application.

2. Get offers from banks and choose one of them.

3. Check your data and documents at the selected bank.

4. Choose a property and submit the necessary documents to the bank.

5. Sign the agreement with the bank and the purchase and sale agreement.

As you know, the eOselya affordable mortgage lending programme has been in place since October 2022.


We remind you! People who have lost their jobs can take advantage of temporary employment through public works. Read more about the earning opportunities for the unemployed and how to get at least UAH 8,000 per month here. 


Want to know more? Read the latest news and useful materials about Ukraine and the world in the News section.




Our recommendation for a safe and comfortable trip: 


Visit Ukraine Insurance - insurance for a safe stay abroad without unnecessary expenses;

Green Card - compulsory car insurance for traveling abroad;

Visit Ukraine Tickets - book tickets for buses, trains, and airplanes to/from Ukraine and between cities around the world;

Private Lawyer service - professional legal support on visa and migration issues;

Visit Ukraine Merch - buy patriotic clothing and accessories with worldwide delivery.




© 2018-2024, Visit Ukraine. Use, copying or reprinting of materials on this site is permitted only with a link (hyperlink for online publications) to Visit Ukraine.

All rights reserved.

Frequantly

asked questions

What is eRestoration?

‘eVodnovnennya is a compensation programme for damaged or destroyed housing during the war. Property owners can receive financial assistance to repair or rebuild their houses and apartments. You can apply through Diia, where you need to attach a photo of the damage and confirm your ownership of the property.

How can IDPs get financial assistance through international organisations?

What are the social programmes to support Ukrainian families during the war?

Recommended articles

2 min

Finance Rental assistance for IDPs: who can get it and how

Rental assistance for IDPs: who can get it and how

Ukrainian IDPs can receive rental assistance in 2024. Find out what criteria you need to meet to receive payments

04 Oct. 2024

More details

2 min

Insurance Rating of insurance companies in 2024: choosing a car insurance policy

Rating of insurance companies in 2024: choosing a car insurance policy

MTPL insurance is compulsory in Ukraine, so drivers often ask themselves the question: which insurer should they start cooperation with? Find out who is the leader of the Ukrainian car insurance market and where it is profitable to take out a policy

06 Oct. 2024

More details

1 min

Work Unemployed Ukrainians can join public works: how much they pay and what you need to know

Unemployed Ukrainians can join public works: how much they pay and what you need to know

People who have lost their jobs can take advantage of temporary employment through public works. Find out more about the earning opportunities for the unemployed and how to get at least UAH 8 thousand per month

07 Oct. 2024

More details

1 min

Documents Passport issuance and exchange of driving licences will cost more: how prices will change

Passport issuance and exchange of driving licences will cost more: how prices will change

Starting from 7 October, some services in the Passport Service have become more expensive. Find out what the new tariffs will be and which services have increased in price

07 Oct. 2024

More details