This Resolution of the Cabinet of Ministers of Ukraine No. 794 dated June 17, 2026, introduces systemic changes to the preferential mortgage lending mechanisms (“eOselya”) and the procedure for utilizing housing vouchers for internally displaced persons (IDPs). The document clarifies requirements for borrowers, expands the list of program participants, and improves solvency verification procedures via state registries. The primary purpose of these changes is to adapt lending conditions to current realities and simplify the use of state assistance for the purchase of housing.
### Structure and Main Changes
The Resolution consists of two main blocks of changes:
1. **Amendments to Resolution No. 856 (regarding “eOselya”):**
* The concepts of “property guarantor” and “guarantor” have been introduced.
* Categories of participants have been expanded (the list of military personnel and veterans has been clarified).
* The age threshold for family members has been changed (from 18 to 21 years).
* Automated solvency verification via the “Trembita” system and State Tax Service (STS) data has been implemented.
* Rules for calculating the standard area of housing and the maximum cost have been clarified.
2. **Amendments to Resolution No. 1176 (regarding housing vouchers for IDPs):**
* Terminology has been changed: instead of the narrow concept of “mortgage loan,” the broader term “credit agreement” is now used.
* The mechanism for transferring assistance funds to creditors’ accounts has been simplified.
* Requirements for the notarization of agreements and the entry of data into the Register of Damaged and Destroyed Property have been updated.
### Key Provisions for Practical Application
* **Automation of checks:** Ukrfinzhytlo has been granted the right to automated access to State Tax Service data (regarding income, status of a single tax payer) and the Register of Damaged Property to monitor the solvency of borrowers and guarantors.
* **Use of vouchers:** Housing vouchers can now be explicitly used to pay the down payment under a credit agreement, which was previously regulated less specifically.
* **Limitation of compensation:** Clear rules have been established: interest rate compensation is not provided if the borrower already belonged to certain preferential categories at the time of receiving the loan, which precludes double preferences.
* **Area standards:** Maximum area indicators have been updated (up to 115.5 sq. m for apartments and 125.5 sq. m for houses), allowing for a more precise determination of lending limits depending on family composition.
* **Consent to data processing:** Candidates and guarantors are required to provide written consent for the creditor to obtain information from state registries, which is a mandatory condition for loan issuance.
