At the beginning of next year, a new model of the state mortgage program " This is mentioned in the NBU report on financial stability.

Now the NBU sees risks for the state in the current model of the eOselya program, which provides that the state, through the Ukrainian Financial Housing Company (Ukrfinzhilye), gives banks money, which they use for mortgage lending at 3%-7%. For this, banks receive a fixed commission. But in three years, Ukrfinzhitlo must buy out mortgage portfolios from banks.

As for the new model, a model similar to the current one will remain for preferential categories of the population or for the purchase of a single home under the age of three. For other categories of borrowers, banks will independently provide mortgages, and Ukrfinzhilye will pay the banks a higher commission and buy out the mortgages after three years.

A new compensation model will also be launched for internally displaced persons and veterans, or in the case of the purchase of a single dwelling older than three years. Customers will pay 7% or 10% during the first years of the loan. Banks will receive compensation from Ukrfinjitl, but these loans will remain in the banks’ portfolio.

Regardless of the support model, the area of \u200b\u200bpermissible housing for two people will decrease: apartments - to 52.5 square meters. m, houses - up to 62.5 sq.. m and additionally 21 sq.. m for each next family member.

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" There is now a dialogue about financing the new model by international donors,” the NBU said.

According to NBU estimates, the current market value of mortgages is about 18%. At this rate, the household’s net income must be at least UAH 80,000 per month for the debt burden to be acceptable for the purchase of an apartment of 60 square meters.

As ZN wrote.

UA, a new stage of affordable mortgages has been launched in Ukraine: now the state compensates for 70% of the down payment, 70% of monthly payments throughout the year and provides up to 40 thousand. UAH for paperwork. The program is designed to support internally displaced persons (IDPs) and residents of front-line areas. Social policy has been replaced by credit, and charity by financial marketing. Read about this in the article “Mortgage for the Homeless”. Hidden risks and the real cost of the "