A new mechanism for purchasing housing through vouchers and mortgages is proposed for IDPs, but with restrictions on sale
In Ukraine, it is proposed to introduce a new legal mechanism for using housing vouchers for internally displaced persons from temporarily occupied territories by combining them with mortgage programs. The relevant provisions are contained in draft law No. 15335 "On Amendments to Certain Laws of Ukraine Regarding Real Estate Acquired Under Mortgage".
The document provides for the creation of legal conditions for the use of housing vouchers together with loan funds when purchasing or constructing housing, as well as the establishment of restrictions on the alienation of such property.
Separately, the draft law defines the powers of notaries to impose a prohibition on alienation on residential real estate objects and the land plots under them in case of using housing vouchers during their purchase or construction financing.
The need to adopt changes is justified by the necessity to regulate the mechanism of housing acquisition for IDPs using housing vouchers and loan funds. The draft law aims to harmonize the five-year prohibition on alienation of housing with the institution of mortgage, which will allow recipients of housing vouchers to attract additional credit financing secured by such property, while simultaneously introducing legislative guarantees to protect creditors' rights to enforce the mortgage in case of non-fulfillment of the primary obligation.
It also concerns expanding the role of notaries in the procedure of formalizing such transactions within the state support program for internally displaced persons.
Earlier, the government allowed the use of a housing voucher as a down payment under the mortgage lending program "eOselya".
The changes involve combining the component of the "eRecovery" program — "Housing for IDPs from TOT" — with the state mortgage program "eOselya." At the first stage, the mechanism will be available to internally displaced persons from temporarily occupied territories who have the status of combatants or persons with disabilities due to the war.
At the same time, for the full launch of the mechanism, it is necessary to adopt amendments to the mortgage legislation. This concerns draft law No. 15335.
The government reminds that even at the launch stage of the "Housing for IDPs from TOT" program, the possibility of using a housing voucher not only for direct purchase of housing but also in combination with a mortgage was laid down. For this, it is necessary to coordinate the mechanisms of the two state programs.
After the necessary legislative changes are completed, at the next stages of financing the component, the nearest of which is expected in September this year, the housing voucher can be used to pay the first installment on a mortgage within the "eOselya" program.
What changes does draft law No. 15335 provide for
The draft law provides for amendments to the Laws of Ukraine "On Mortgage," "On State Registration of Property Rights to Real Estate and Their Encumbrances," and "On Notariat" to regulate the legal regime of housing acquired by internally displaced persons using housing vouchers and loan funds. The main provisions of the draft law are:
1) legislative consolidation of the possibility to mortgage residential real estate objects (including future real estate objects) and the land plots under them, which are purchased or financed using housing vouchers and loans according to the Procedure approved by the Cabinet of Ministers of Ukraine Resolution No. 1176 dated 22.09.2025.
2) introduction of a prohibition on alienation of such property and its transfer into subsequent mortgages, except for the creditor's foreclosure procedure.
3) supplementing the grounds for state registration of the prohibition of alienation regarding the specified real estate objects to ensure proper protection of the rights of the state and creditors.
4) The Law of Ukraine "On Notariat" is supplemented with a provision obliging a notary to impose a prohibition on alienation on residential real estate objects (including investment in construction) and land plots acquired by internally displaced persons using housing vouchers according to the Cabinet of Ministers of Ukraine Resolution No. 1176 dated 22.09.2025.
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