From July 17, veterans, war participants, people with disabilities due to war and families of fallen defenders will be able to submit applications for ДOselya through the Diya application at 3% per annum. Requirements for housing area and family composition are also being updated, and it is planned to allow housing vouchers for individual IDPs to be used as a down payment after settling legislative nuances.
This was reported by the Ministry of Veterans Affairs of Ukraine. The update effectively moves a number of categories of veterans into the group of borrowers with the lowest rate under the program. Previously, some of them could get a mortgage at 7%. From July 17, a preferential rate of 3% per annum will be available for veterans, people with disabilities due to war and war participants. Family members of deceased or deceased veterans, as well as families of deceased or deceased Defenders and Defenders of Ukraine will also be able to take advantage of the new conditions. Thus, the state is expanding the list of citizens for whom a preferential mortgage rate will apply. This category already includes military personnel, law enforcement officers, doctors, teachers and scientists identified by the program.. At the same time, for other categories of program participants the base rate may be 7% per annum. An important nuance is that the preferential rate is established for the first ten years of lending. From the 11th year it increases by 3 percentage points - from 3% to 6% or from 7% to 10% depending on the category of the borrower.
The issue of changing conditions for veterans and families of fallen military personnel has been discussed for more than a year. One of the main complaints about the previous model was the difference in rates for active military personnel and people who became disabled as a result of the war or lost relatives at the front.
New rules should eliminate this difference for certain categories of veterans. At the same time, a revision of the interest rate on loans that veterans had previously received at 7% has not yet been provided. That is, it will not be possible to automatically transfer an existing mortgage to a 3% rate..
Separate rules apply for the families of deceased defenders and defenders. If a family applies for a loan after the death of a serviceman, it can apply for єOselya at 3% as a separate preferential category. Another situation arises if a military man took out a mortgage at 3% during his lifetime, and subsequently died. In this case, his family does not automatically receive the right to maintain the preferential rate.
Ukrfinzhilye explained this by the peculiarities of civil and inheritance legislation. After the death of the borrower, his rights and loan obligations pass to the heirs, however, preferential conditions established personally for the original borrower are not automatically inherited. Starting from July 17, an application for participation in the program can be submitted in electronic format through the Unified State Web Portal of Electronic Services, in particular using the Diya mobile application. The applicant must go through the application process and receive offers from participating banks. After preliminary approval, you can begin choosing housing, checking the property and drawing up a loan agreement. Another change should make it easier to check the borrower's solvency.
With the consent of the person, Ukrfinzhilye will be able to receive part of the information about income through state registers. This is expected to reduce the number of documents and speed up the processing of applications.
The update will also affect the standard area of \u200b\u200bhousing that can be purchased under the program.. Previously, the basic area of \u200b\u200ban apartment was 52.5 square meters per person, and another 21 square meters were provided for each additional family member.
The rules were subsequently tightened. The right to additional space was actually limited, which is why, for example, married couples without children were often forced to look for an apartment with an area of \u200b\u200bup to 52.5 square meters. In practice, this significantly narrowed the choice: a significant part of two-room apartments simply did not meet the program requirements. Now the rules are being adjusted again. The basic 52.5 square meters remains for one person, but for a second family member it will again be possible to add 21 square meters. For a family of three people the standard will be 73.5 square meters. The maximum allowable figure will remain at 115.5 square meters. This problem was especially acute in the past for families with children.. Under previous restrictions, they could often qualify primarily for a one-room apartment, although the child needs separate space for sleeping, studying and everyday life.
The approach to determining family composition is also changing. Previously, when calculating the standard area, children under the age of 18 were taken into account. Now the age limit has been raised to 21 years. The logic of this decision is that after reaching adulthood, the child does not necessarily begin to live separately.
Young people aged 18 to 21 often continue their studies, live with their parents and do not yet have a stable income. According to the previous rules, a situation could arise when, after a child reaches his 18th birthday, the standard housing area for a family was reduced, although the actual composition of the family and its needs did not change.
Another innovation concerns the assessment of the applicant’s financial capabilities. When determining solvency, banks will be able to take into account not only the income of the borrower’s family members, but also other guarantors.
In addition, it is possible to attract a property guarantor. Such a person will be able to provide his own property as additional collateral for the loan. A separate change concerns internally displaced persons who have the status of a participant in hostilities or a person with a disability due to war.
They have the opportunity to use a housing voucher under the єВіднілння program as a down payment when applying for a new mortgage under the єОсelya program. The housing voucher provides state financing for the acquisition or construction of housing in the amount of up to UAH 2 million for certain categories of IDPs from temporarily occupied territories.
However, there is a legal caveat when using a voucher as a down payment. Homes purchased with a voucher are subject to a five-year alienation ban.. At the same time, an apartment or house purchased with a mortgage must be transferred to the bank as security for the loan. Due to this legal conflict, the mechanism requires additional legislative changes. At the same time, you cannot repay an already issued loan under the eOselya program with a voucher..