Mortgage does not deprive of housing assistance: the key threshold is 100 thousand hryvnias

Mortgage and housing assistance

According to ХВИЛЯ: The myth of automatic termination of housing assistance when applying for a mortgage is false. Payments depend on the amount of the down payment and other conditions. According to current norms, the critical limit for the down payment is 100 thousand hryvnias.

If the down payment does not exceed 100,000 hryvnias, the person has the right to retain payments. In the case where the contribution exceeds this amount, housing assistance is terminated. It is also important to note that to receive assistance, the housing must meet certain criteria:

• The living space must be less than 13.65 square meters per family member.
• The housing must be recognized as unfit for living.

Additionally, it should be noted that housing located in occupied territories or in areas of active hostilities is not taken into account when determining the right to assistance. In this regard, lawyers recommend documenting every step, checking the status of your payments, and recording instances of destruction to be able to confirm your right to assistance.

Importance of information

Thus, it is important to understand that obtaining a mortgage is not an automatic reason for losing housing assistance if the established limits and conditions are met.

This information is significant for those planning to take out a mortgage as it helps avoid misunderstandings regarding social payments. In times of economic instability and high housing costs, knowing your rights and obligations can significantly ease the financial burden for many Ukrainian families, especially those in need of additional support.