The first credit agreements on the social initiative by President Viktor Yanukovych will be concluded at the end of this week, director of the state programs and housing development department of the Ministry of regional development and communal services Oleksandr Nepomnyashchiy told a briefing, ForUm correspondent reports.

The official reminded that this year the government allots one billion hryvnias for this project, which allows 30 thousand citizens to get beneficial loans.

The loans will be given for 15 years with 16% of interest. The government will cover 13% and the loaner - only 3%.

According to Nepomnyashchiy, there are two banks so far, ready to participate in the project - State Sberbank of Ukraine and "Brokbusinessbank. However, all banks of the first and second categories can grant loans by the state mortgage program.

"There are one million 138 thousand people waiting for apartments in Ukraine. The program determines the highest and lowest levels of income of citizens. The highest level of income should not exceed 40% of the family income - UAH 30-40 thousand monthly. People with higher income cannot take part in the project. The lowest level of income must be five minimal wages, but no less than 3-5 thousand hryvnais, depending on a region," he explained.

The official pointed out that the loans will be given to those, who have official "white" salaries only.
"Local authorities, including regional state administrations, will chose and appoint construction developers, but the final word rests with the banks. The banks will also take final decision on granting mortgage loans," he said.

Nepomnyashchiy also informed that the area of apartments will make from 40 to 58 sq m.

According to him, the full responsibility for the payment procedure lays on the loaner, and the state promises to compensate 13% monthly.


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