Hypothetical situation. If dishonest people come to power in Ukraine, they may indeed try to 'trick' people who have used the eOselya program.
Although legally this is not easy (due to the contract with the bank), there are several potential schemes for how this can be done:
🛠 1. Changing the program conditions retroactively
• The authorities can make changes to the conditions of the eOselya program through new regulations or laws.
• For example, removing the fixed rate of 7% and switching loans to a floating rate — this will automatically increase the payment.
• They may introduce additional fees, taxes, or 'recalculation of subsidies'.
🔴 Example:
"In connection with the financial situation, the government has decided to raise the rate for all state preferential programs to market level."
💸 2. Devaluation of the hryvnia or hyperinflation
• If the authorities turn on the 'printing press', then the hryvnia falls, and your loan — in hryvnias — seems profitable.
• But salaries may not keep up with inflation, prices are rising, and your payment in hryvnias remains the same in absolute terms, but in fact, it becomes more expensive (because all your other expenses are also increasing).
• The state may also raise rates for new programs and close old ones.
🧾 3. Mass inspections, fines, cancellation of benefits
• The authorities can organize inspections to identify violations:
"You provided the wrong address", "you do not live alone", "this is not your first residential property" — and cancel the benefit.
• This could force people to pay the full market rate, doubling the payment.
🏚 4. Reprivatization or nationalization
• In times of crisis or 'transition to a new order', they may declare:
"All apartments bought under preferential programs now belong to the state, and you are tenants."
• This has happened in the history of various countries in the case of radical political changes.
🧷 5. Refusal of the program or its complete liquidation
• The state can close the program and say that 'the bank is solely responsible for the contracts', and there will be no more budgetary benefits.
• Banks, in turn, will raise the interest rate or require early repayment of part of the loan.
❗️Legal aspect
• Such 'tricks' are often disguised as 'changes in legislation', 'reforms', or 'budget optimization'.
• The state is considered a higher power, and in Ukrainian realities, rewriting the rules retroactively is not new.
P. S. Buying an apartment at 7% with 15% inflation that will halve the loan over 20 years, while real estate will rise, is a very tempting story, but it's hard to forget what country we live in and believe that there will actually be some assistance. Also, it seems to me that real estate in Kyiv is very overvalued.
What do you think? Vote (anonymously)
😈 Sooner or later, something will be concocted, and people will be forced to pay more.
👍 I believe everything will be fine, this is support from the state.