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RESOLUTION OF THE CABINET OF MINISTERS OF UKRAINE

of October 5, 1998 No. 1597

About approval of Rules of provision of long-term loans to individual builders of housing in the village

(as amended on 26-01-2022)

In pursuance of Article 1 of the Presidential decree of Ukraine of March 27, 1998 "About measures for support of individual housing construction in the village" the Cabinet of Ministers of Ukraine decides No. 222:

1. Approve Rules of provision of long-term loans to individual builders of housing in the village it (is applied).

2. To the Ministry of Regional Development, Construction and Housing and the Ministry of Finance to provide to funds of support of individual housing construction in the village the methodical help with introduction of Rules of provision of long-term loans to individual builders of housing in the village.

Prime Minister of Ukraine

V. Pustovoytenko

 

Approved by the Resolution of the Cabinet of Ministers of Ukraine of October 5, 1998 No. 1597

Rules of provision of long-term loans to individual builders of housing in the village

1. These rules determine according to the Presidential decree of Ukraine of March 27, 1998 No. 222 "About measures for support of individual housing construction in the village" conditions and procedure for provision by funds of support of individual housing construction in the village (further - funds) soft long-term loans to individual builders of housing in the village in pursuance of the regional programs "Own House" and are the basis for development of the corresponding regional rules taking into account local conditions.

The main manager of budgetary funds and the executive in charge of the budget program "State Preferential Crediting of Individual Rural Builders for Construction (Reconstruction) and Acquisition of Housing" is the Ministry of Regional Development, and receivers of budgetary funds - funds.

I. General provisions

2. The terms used in these rules have the following value:

the credit - the amount of means or material resources in terms of money which are provided to individual builders at the expense of credit resources of funds for financing of construction of apartment houses with outside utility rooms and completions of incomplete apartment houses, reconstruction of housing, construction, engineering networks connection them to the existing communications, and also acquisition incomplete construction and ready housing with results of assessment which is carried out according to the legislation, and its reconstruction (further - subject to crediting);

funds for servicing of the credit - part of means from the funds transferred into accounts from amount of the carried-out crediting of individual rural builders who go to the expenses connected with provision and servicing of the credit by bank institutions and on the expenses connected with content of funds.

the credit agreement - the prisoner according to these rules between fund and the individual builder (borrower) the agreement which determines loan granting condition credit amount to the borrower, repayments by the borrower of debt for the credit and introduction of payment for use of it;

department of fund - the representative of fund or its structural division to which the fund delegates part of the powers and the rights in the relations with legal entities and physical persons in the course of forming and use of credit resources of fund.

the permanent residence in the rural zone - the place of residence of the borrower registered in accordance with the established procedure in the territory of the village;

the special period - the term is applied in the value determined in the Law of Ukraine "About defense of Ukraine".

3. Crediting of housing construction by funds in the village is direct, address (target), and is performed by the return within the available credit resources of funds.

4. Borrowers of the credits at the expense of credit resources of funds can be citizens of Ukraine who confirmed the solvency, constantly live (or on condition of resettlement for permanent residence) in the rural zone and work at the companies, organizations, the organizations of all patterns of ownership, in the personal peasant economy functioning in the rural zone and citizens on whom action of Items 19 and 20 of part one of Article 6 and paragraph of the fourth Item 1 of article 10 of the Law of Ukraine "Expatiates on the status of veterans of war, guarantees of their social protection" (or members of their families in case of appeal of such persons are located within the area of residence or adjacent areas, including during mobilization and before the end of passing of military service during the special period), and citizens of Ukraine who are on accounting of internally displaced persons (further - individual builders).

Solvency of the candidate provides that on condition of payment of monthly payment on account of loan repayment taking into account percent the remaining balance of the average monthly income of the candidate and full age family members cannot be less, than the subsistence minimum determined by the legislation for the corresponding period at the rate on each family member.

The right of receipt of the credit according to the presents to Rules is granted to the individual builder only once.

The conditions of loan granting determined in these Rules does not extend to citizens of Ukraine who obtained on construction of individual housing loans, including bank loans, with privileges at the expense of means of budgets, compensation for premises, proper to obtaining, for some categories of persons according to other regulatory legal acts.

5. By funds insurance of means of the credits according to the legislation can be performed.

II. Loan granting conditions to individual builders

6. The loan is granted to the individual builder for a period of up to 20 years, but no more than before achievement of retirement age by the borrower, according to the Law of Ukraine "About obligatory national pension insurance", and to young families (spouses where the age of the husband and wife does not exceed 35 years) or to incomplete families (mother (father) age up to 35 years) - up to 30 years, with introduction for use of payment it in the amount of 3rd annual interest rate.

The borrower who has three and more children (including adopted and/or such which are under its guardianship / care), is exempted from interest payment for use of soft credit during action of the credit agreement, since date of submission of the copy of supporting documents (certificates of birth of children, documents on adoption, establishment of guardianship or care, the certificate of parents of large family).

Interests on credit are also not charged to such borrowers (on condition of their address or full age members of their families with the corresponding statement):

to the military personnel, spouses in which the spouse is serviceman that is confirmed by the copy of the military ID, - since the beginning and before the end of the special period;

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