Affordable housing loans for families with children

In Ukraine, special support mechanisms are in place to help large and young families exercise their right to own housing.

Under Presidential Decree № 1460, large families are granted preferential access to long-term loans for the construction, reconstruction, or purchase of housing. To implement this policy in practice, in 2001 the Cabinet of Ministers of Ukraine adopted Resolution № 584, which established a clear procedure for providing such preferential housing loans to young families and young individuals.

Who can benefit from the programme?

1. young families in which both spouses are under the age of 35;
2. single mothers or fathers under the age of 35 who are raising one or more minor children;
3. young single individuals under the age of 35.

What is the repayment period?

One of the key advantages of the programme is the long repayment period is up to 30 years. This significantly reduces the monthly financial burden and makes home ownership more attainable, even for families with modest incomes.

What support is provided to families with children?

The programme places particular emphasis on supporting families with children, with loan conditions varying depending on the number of children:

1. families without children pay an interest rate of only 3% annually;
2. families with one child are fully exempt from paying interest on the loan;
3. families with two children receive a state budget compensation equal to 25% of the loan amount;
4. families with three or more children are exempt from repaying 50% of the principal loan amount.

Overall, the state does not merely declare its support for large families but provides real financial instruments to help ensure their right to housing. The combination of long-term loans and substantial child-related benefits enables families to plan their future with greater confidence and create adequate living conditions for their children.

This information material has been produced as part of a project implemented by the Danish Refugee Council (DRC) with funding from the European Union. The views and opinions expressed are those of the author(s) alone and do not necessarily reflect the views of the European Union or the DRC. Neither the European Commission nor the DRC can be held responsible for the content of this material.