This Resolution of the Cabinet of Ministers of Ukraine No. 794 dated June 17, 2026, introduces systemic amendments to the mechanisms of affordable mortgage lending (“eOselya”) and the procedure for providing housing assistance to internally displaced persons (IDPs). The document details the requirements for program participants, clarifies solvency verification procedures, and expands the opportunities for using housing certificates and vouchers to pay the down payment. The changes are aimed at optimizing the interaction between state registers and standardizing lending conditions for various categories of citizens.
### Structure and Main Provisions
The Resolution consists of two main blocks of changes:
1. **Amendments to Resolution No. 856 (regarding “Ukrfinzhytlo”):** the concepts of “property guarantor” (mortgagor) and “guarantor” are introduced, age criteria for family members are changed (up to 21 years of age), categories of credit recipients (in particular, military personnel and veterans) are clarified, and requirements for the standard area of housing are updated.
2. **Amendments to Resolution No. 1176 (regarding housing vouchers for IDPs):** the procedure for using vouchers to pay off the down payment under credit agreements is adjusted, the procedure for interaction with notaries is simplified, and requirements for registering agreements in the Register of Damaged and Destroyed Property are updated.
### Key Aspects for Practical Application
For the professional use of the act, the following important points should be highlighted:
* **Expansion of Collateral Instruments:** The introduction of the institution of suretyship and property suretyship allows for the inclusion of additional guarantees for obtaining a loan, which increases the chances of application approval.
* **Automation of Verifications:** A mechanism for electronic interaction via the “Trembita” system with tax authorities and the Register of Damaged Property has been implemented. This means that verification of solvency and the status of the property is now carried out automatically, without the need to provide paper certificates.
* **Limitations on Compensation:** It is important to consider the new rules regarding interest rate compensation: it is not provided for loans issued before the entry into force of this resolution to certain categories of borrowers (in particular, war veterans), and a clear algorithm for verifying the borrower’s status at the time of concluding the agreement has been established.
* **Maximum Cost of Housing:** The formula for calculating the maximum cost of housing has been updated, which now allows for an excess of the maximum cost by 10% based on an appraisal report, providing more flexibility when choosing real estate objects.
* **Use of Housing Vouchers:** The procedure for transferring assistance funds directly to the accounts of creditors is clearly defined, which simplifies the process of using vouchers as a down payment for a mortgage.
These amendments enter into force on **July 17, 2026**.
