On Tuesday, September 15, 2026, the Verkhovna Rada of Ukraine adopted (in first reading) draft law No. 15335 "On Amendments to Certain Laws of Ukraine Regarding Real Estate Acquired Through a Mortgage." 278 MPs voted in favor of the document, as confirmed by the parliament's press service on Telegram. This was reported by RBC-Ukraine, citing Yelyshaveta Shuliak, head of the Verkhovna Rada Committee on State Governance, Local Self-Government, Regional Development and Urban Planning. According to her, the adoption of the bill is "yet another step towards internally displaced persons."
The Essence of the Bill: Eliminating a Legal Barrier
The explanatory note to the document states that its purpose is to create an effective legal mechanism for providing housing to internally displaced persons who lived in temporarily occupied territories. The mechanism involves "combining state support in the form of housing vouchers with the use of credit funds." Shuliak explained that a housing voucher is state aid of up to 2 million hryvnia, provided to people who lost their home due to the war, as a tool for purchasing or building new housing. However, voucher recipients often could not purchase or complete the construction of housing using these funds alone, as additional credit financing, including a mortgage, was required. Existing legislation did not allow such housing to be used as collateral for a bank, making it legally impossible or highly inconvenient to combine a voucher with a mortgage loan. Bill No. 15335 removes this barrier.
How It Will Work in Practice
Once the law is adopted in its final form, IDPs who lived in occupied territories will be able to use housing vouchers together with credit funds to purchase or build housing. The document establishes the legal definition of a notary's authority to impose a restriction on the alienation of residential real estate and the land plots beneath them when certifying agreements on their acquisition or the financing of construction using housing vouchers. In addition, the bill defines the mechanism for state registration of the corresponding encumbrances. Shuliak summed up: "A housing voucher and a mortgage can now work together. And with the simplified terms of 'eOselya,' this significantly expands the opportunities for people who lost their home due to the war."
Protecting the Interests of the State and Banks
The five-year ban on selling housing acquired using housing vouchers is already provided for in Cabinet of Ministers Procedure No. 1176. Bill No. 15335 aligns the operation of this ban with the mortgage mechanism, which, according to Shuliak, protects both the state program from abuse and the bank: "If the borrower does not pay, the bank can still enforce a claim against the property." The explanatory note emphasizes that the bill is aimed at protecting the property interests of both the state and creditors.
Context: The "eOselya" Program for Displaced Persons
Shuliak reminded that in September 2025, the terms of participation in the state program "eOselya" were simplified for IDPs. For this category of borrowers, the state covers 70% of the down payment, provided that the cost of the housing does not exceed 2 million hryvnia. The state also assumes payment of 70% of the interest rate in the first year of participation in the program, provided that the total annual payment does not exceed 150,000 hryvnia. In addition, the state pays the bank a one-time fee of 40,000 hryvnia for providing the loan, fees, and insurance payments. "The state is giving displaced persons who are holders of housing vouchers another real tool to become property owners, rather than simply receiving partial compensation," the MP emphasized.
