How to buy real estate from RIEL with a "eOselia" mortgage. Step-by-step algorithm

Certain categories// from 01.10.2022

• Military personnel;
• Medical workers;
• Teaching staff;
• Scientific and scientific-pedagogical workers.

Mass mortgage // from 01.01.2023

• War veterans and their family members;
• Internally displaced persons;
• Other citizens.

Conditions of participation// from 01.10.2022

• citizens of Ukraine;
• over 18 y.o. on the date of the loan formalization under 70 years on the repayment date;
• solvent;
• those who do not own real estate*, or its area does not exceed 52.5 sq.m per person + 21 sq.m for each subsequent family member;
• those who do not appear in the sanctions lists;
• those who do not participate in other state housing programs.

* real estate located in the area under hostilities and in the territory that is under temporary occupation or encirclement is not taken into account

Lending terms

3% from 1.10.2022 for certain categories

First installment from 20%

Loan term up to 20 years

7% from 1.01.2023 for mass mortgages

Important information

• the apartment or interest in the apartment (under construction) must be in a multi-apartment residential building that does not belong to state or communal property;

• with an area of no more than 52.5 sq.m. for 1 person and + 21 sq.m. for each subsequent family member;

• location on the territory of Ukraine, with the exception of areas under hostilities or temporarily occupied territory;

• housing in regional centres that was put into operation less than 10 years ago;

• real estate is subject to mandatory insurance.

Important information

46 670 ₴ for 1 sq.m. in Kyiv

39 790 ₴ for 1 sq.m. in Lviv

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