Preferential housing loans for residents of the Lysychansk Hromada
For internally displaced people from one of the hromadas in Luhansk Oblast, another local support mechanism has become available. In September 2026, the Lysychansk City Military Administration approved the Target Programme for Preferential Housing Loans for 2026. It will be implemented jointly with the State Fund for Support of Youth Housing Construction (Derzhmolodzhytlo).
Who can participate
People who meet all of the following conditions may apply for a preferential housing loan:
- were registered within the Lysychansk City Territorial Hromada as of 24 February 2022 and remain registered in the hromada on the date of application;
- have internally displaced person (IDP) status;
- do not own housing in territory under the control of Ukraine (property located in areas of active hostilities and temporarily occupied territories is not taken into account);
- have not previously benefited from other state housing support (compensation, preferential loans, etc.);
- are financially solvent.
After the monthly loan repayment, the family's official income must be at least UAH 3,209 per family member.
Terms and conditions
The main terms of the programme are:
- loan amount — up to UAH 2 million;
- term — up to 10 years;
- interest rate — 3% per annum;
- own contribution — at least 6% of the housing cost;
- standard housing area — 52.5 sq. m for a family of one or two people, plus an additional 21 sq. m for each subsequent family member;
- for participants in the general category, the hromada repays 50% of the principal amount of the loan;
- for people aged 60 and over — 99.99% of the principal amount of the loan;
- housing of any year of construction may be purchased.
Important! Repayment of 99.99% of the principal amount of the loan does not mean that the housing is provided free of charge or that the person is fully exempt from payments. It only means that the principal amount of the loan is repaid using hromada funds. The borrower is responsible for paying the interest on the loan at a rate of 3% per annum.
How the selection process will work
The selection process will take place in three stages:
At the first stage, applicants must submit a statement of intent to obtain a loan and an application form to the Housing and Communal Services Department of the Lysychansk City Military Administration. Documents can be submitted in person, by post or electronically. Information on the opening and closing dates for document submission will be published on the official resources of the Lysychansk City Military Administration and the State Fund for Support of Youth Housing Construction (Derzhmolodzhytlo).
The application must be accompanied by copies of the applicant's and family members' documents, namely:
- passport;
- Taxpayer Registration Number (RNOKPP);
- IDP certificates;
- documents confirming family relationships;
- consent to the collection and processing of personal data.
At the second stage, two registers will be formed: one for participants in the general category and another for people aged 60 and over. Successful applicants will be selected through a random computerised selection process, and the entire process will be streamed online on the State Fund for Support of Youth Housing Construction's YouTube channel to ensure transparency.
If your family is selected, at the third stage you will need to confirm your financial solvency, provide up-to-date information on real estate, find suitable housing and undergo document verification. Only after that will the loan and mortgage agreements be concluded.
Lawyers on the PravoVsim platform provide free legal consultations, including on matters related to acquiring and registering ownership rights to housing.
