Own apartment during the war: what kind of housing under the program "Esosel" is offered
Is it really more profitable to buy a mortgage in a mortgage than to postpone its funds for many years? According to the commercial director of Intergal-Buda Anna Laevskaya, during 2024 there was an increase in housing prices in new buildings by 10-15%. This is more due to the lack of labor. "We currently have a huge shortage of working construction specialties. Because of this, contractors are greatly raising work prices.
Add the cost of utilities, electricity, tariffs that also have a great impact on production cost," the expert explains. Another market factor experts recognize the number of housing offers by reducing the number of new objects from developers. Many players have left the market because the war dictates the conditions. Therefore, real estate experts predict that 10-15% can increase even in the currency equivalent of the cost of a square meter.
Concerning the Intergal-Bud Company itself, she not only stood, but also plans to reach the pre-war volume of construction and surpass them, stimulating the restoration of demand. And not least thanks to both state mortgage programs and their own policy, tools and partnership. In total, Intergal-Bud, sales under the Esosel program account for 40-50% of the total structure of transactions. Then, before the war, the share of credit purchases did not exceed 7-10%.
"Buyers today need long-term financial instruments, a mortgage for 20-30 years makes housing accessible to a wider audience. These are, in particular, people with moderate or even lower income that have not previously considered the possibility of buying housing in new buildings," he said Anna Laevskaya during the All -Ukrainian Construction Summit. In 2024, the Eosel program set a historic record - loans were issued by UAH 14.
6 billion, of which approximately 30% were directed to the primary market. In general, Eosel provides two mortgage programs: a mortgage for individual categories and the so -called mass mortgage. The program of preferential lending has the right to use: at the same time this program is available to the general public, that is, for the entire population of Ukraine.
These are citizens who either do not have their own housing, or the area of this dwelling is less than 52 m2 per person, plus 21 m2 for each additional family member. And by mass mortgage can be used: within the program for preferential categories, the rate on a loan is 3% per annum, while for the general mortgage program - 7% per annum.
It is possible to take housing on credit for 20 years, and your own contribution should be at least 20% of the cost of the selected housing in the secondary market, and not less than 30% - if the selected housing is an apartment in the new building (primary market). To date, for the general public under the Esosel program, housing is offered not over three years of commissioning, and for internally displaced persons and some preferential categories, housing is not older than 10 years.
Intergal-Bud statistics show that a large number of borrowers prefer new buildings, new housing, because it is better in its characteristics, more comfortable, has the necessary infrastructure, shelter. People pay special attention to the interior decoration of the territory, as well as the present repair from the developer. Currently, this option is offered only a few companies on the market, including Intergal-Bud.
The company is one of the first to propose this service and today clients can order decoration for $ 300 per square meter or buy a ready -made apartment with repair. Interest in such proposals is great, so every second application for credit housing includes a request for an apartment with repair. According to the commercial director "Intergal-Bud", demand for energy independent homes has also become relevant.
The presence of alternative sources of energy supply has already moved to the Must Have category and is simply vital for buyers. Companies, in particular Intergal-Bud ", are actively implementing solutions such as gas and fuel generators. This provides uninterrupted operation of water supply, heating and lighting even during electricity and blackouts. "Our company and a series of developers have made a decision to ensure the work of home systems in such situations.
I think it will be a general market trend, because it is not just to sell more efficiently or at a better price, which is generally demand for sales for your own the object, because this is first and foremost paid attention. The Esosel program is available for all citizens of Ukraine who do not have their own housing or exist, but the area is less than 52. 5 meters per person. "If it is, for example, a family of two people, it is already possible to count on 72 sq.
m and by analogy with more family members or children. Accordingly, the number of requests is now increasing at times, as is the number of visits to the sales departments of developers. It is those people who hope to buy housing under the Eosel privileged mortgage program for 7% of the loan, ”Anna Laevskaya explained. By the way, since the main driver of the market is credit programs, demand for one -room apartments is gradually declining.
Instead, more and more transactions are concluded on two- and three-room apartments, as well as large two-level apartments that have previously remained in the balance. "The reason for this is the demand from large families and borrowers who can afford to buy more spacious housing," adds the Commercial Director Intergal-Bud.
Among the complexes where apartments can now be purchased, such as: Holosiivsky LCD, Sky Avenue, Syretsky Gardens, Lukyanovsky Cascade, Nivki-Park, Lake Gatne, Park Park Lakes ", City Hub, Teremki" and "Pier 8".
Regarding the trust in the development and the issues of guarantees, future owners defend the recently introduced mechanism for the sale of future real estate objects in accordance with the Law 2518 "On Guaranteeing Property Rights to Real Estate Objects, which will be built in the future". It organizes the relationship between government banks and clients, allowing buyers to obtain property rights to the apartment at the stage of construction.
This is a significant step to increasing the trust and confidence of investors. Therefore, Intergal-Bud company continues to work, finish previously started objects and launch new queues. At the same time, the approach to forecasting has changed: attention to financial risks and sales stability. In war, the company adapts to new challenges, maintaining the dynamics and trust of its customers.