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Who has the right to use the eOselya program to purchase housing?

The eOsel program has been operational since October 2022. To date, more than 2,000 loans in the amount of more than UAH 3 billion have already been issued.

            Due to the popularity of the program, on July 4, 2023, the list of people who will be able to use this program was increased.

            Today, the following will be able to use the eOselya program:

1) servicemen of the Armed Forces under contract, the Security Service of Ukraine, the Foreign Intelligence Service, the Main Intelligence Directorate of the Ministry of Defense, the National Guard, the State Border Service, the State Security Administration, the State Special Communications Service, the State Special Transport Service, prosecutors of specialized prosecutor's offices in the field of defense of the Prosecutor General's Office, members of the rank and file of the State Emergency Service, employees Court security services, detectives, senior detectives and senior officers of the National Anti-Corruption Bureau, rank-and-file and senior officers of the State Bureau of Investigation, detectives and senior officers of the Economic Security Bureau, police officers, as well as family members of the specified persons, as well as those who were dismissed from the specified positions or lost the corresponding status or rank as a result of receiving the status of a person with a disability of group I or II as a result of the war after receiving a loan in accordance with these Provided that during the period of such disability, family members of the specified persons are not included.

2) medical workers (specialists and professionals) of health care institutions of state or communal ownership;

3) teaching staff of educational institutions of state or communal ownership;

4) scientific (scientific and pedagogical) employees of educational institutions and scientific institutions of state or communal ownership;

5) war veterans and their family members; participants in hostilities, persons with disabilities as a result of the war, families of deceased (deceased) war veterans, as well as families of deceased (deceased) Defenders of Ukraine.

6) internally displaced persons;

7) other citizens of Ukraine who do not own residential real estate or own less than 52.5 square meters. meters for a family of one person (single person) and an additional 21 square meters. meter - for each subsequent family member. This point does not take into account residential real estate objects located in the territories of active hostilities, territories of active hostilities, where state electronic information resources function, or territories of Ukraine temporarily occupied by the Russian Federation, included in the list of territories where ) hostilities or temporarily occupied by the Russian Federation, approved by the Ministry of Reintegration, for which the date of the end of hostilities or temporary occupation has not been determined).

            We remind you that the following conditions apply today:

  • discount rate for the entire term of the loan: 3% – 7 %
  • maximum loan term: 20 years
  • minimum down payment: 20%
  • banks participating in the program lend: Oschadbank, PrivatBank, Globus Bank, Ukrgazbank, Sky Bank.
  • you can buy an apartment in a building that is under construction or not older than three years at the time of signing the contract.

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