Head of real estate and commercial law practice
Specialist in the field of commercial law and process. Real estate, construction support; land law and protection of property ownership.
Apartment Inspection Before Buying on eOselia
Purchasing an apartment under the eOselya program is прежде всего a strict property selection process. A comprehensive apartment audit allows you to ensure the reliability of the seller and minimize the likelihood of future problems. Many buyers perceive verification as a bureaucratic obstacle; however, in reality, it plays a crucial role and is a key condition for successfully purchasing housing under the eOselya program.
Buying Housing Under the eOselya Program: Who Is Eligible?
In 2026, eOselya continues to provide citizens with affordable housing financing. The process is максимально digitized and осуществляется through submitting an application via the “Diia” web portal. To receive preferential terms for purchasing an apartment under this program (at 3–7% of the property value), an applicant must meet the following criteria:
- belong to one of the following categories: military personnel, combat veterans, their family members, employees of law enforcement and emergency services, internally displaced persons, medical workers, teachers, and researchers;
- be able to make an initial payment of 10–20% of the apartment’s value;
- be between 18 and 70 years old;
- select an apartment that meets the program’s requirements.
What Requirements Must an Apartment Meet to Be Purchased Under eOselya?
For the bank to approve the loan, the selected property must meet strict criteria regarding type, area, age, and condition. Below is a more detailed overview of each requirement:
- type — completed housing (an apartment in a multi-unit residential building) or an unfinished construction project;
- area — the limit for one person or a two-person family is 52.5 square meters (if exceeded, additional payment is required and some preferential terms are lost);
- age of housing — up to 20 years from commissioning (in Chernihiv, Sumy, Kharkiv, Zaporizhzhia, and Kherson regions) or up to 3 years (in the city of Kyiv and other regions);
- condition — must comply with building regulations and provide proper living conditions, and must not be included in the state register of architectural or cultural heritage monuments.
What Risks May Arise When Purchasing an Apartment Under eOselya?
Buying an apartment requires a thorough audit to ensure the client’s security. The “hidden pitfalls” that may arise during property selection before purchasing under the eOselya program can cost both time and money. The main risks include:
- hidden encumbrances on the apartment (arrests, pledges);
- unpaid property taxes by the previous owner;
- technical discrepancies (unauthorized redevelopment, etc.);
- raiding attempts (double registration) by the seller.
Apartment Verification Before Purchase Under eOselya Through Our Lawyers: How Does It Work?
When a real estate lawyer is involved, the entire verification process focuses on a comprehensive examination of the property and the seller. Based on the results, a legal conclusion is prepared. Step by step, the process looks as follows:
- first, analysis of initial data. The lawyer compares the property parameters with the strict requirements of the eOselya program, requests the necessary documents from the seller, verifies the commissioning year and characteristics;
- second, in-depth legal Due Diligence. The lawyer reviews the legal history of the apartment, including ownership, absence of debts (including unpaid utility bills by the previous owner), and risks from third parties;
- third, additional technical audit (based on documents provided by the seller). The specialist reviews the technical passport, identifies hidden unauthorized constructions, and initiates property valuation if there are grounds to believe the price is inflated.
What Additional Services Can Our Lawyer Provide Within the eOselya Program?
In addition to basic verification, a lawyer from the law firm “Prikhodko & Partners” will support you at every stage — from submitting the application in “Diia” to receiving the keys to your future apartment. Our specialists can relieve you of the burden of searching for suitable housing, negotiating with sellers, preparing documents for the bank or “Diia,” and more. The extended list of services includes:
- submission of the application for participation in the eOselya program and preliminary preparation;
- analysis of the client’s credit history and elimination of obstacles to participation;
- work with property offers from sellers in the residential real estate market;
- legal audit of proposed properties;
- negotiations with the seller and the bank for concluding the transaction;
- legal analysis of the mortgage agreement (if necessary);
- other relevant legal services.
In conclusion, the eOselya program is a unique opportunity to obtain preferential financing for purchasing an apartment. Like any real estate transaction, such a purchase involves certain risks. To avoid hidden encumbrances, technical inconsistencies, and fraudulent schemes, we recommend protecting your interests by ordering a legal verification of both the property and the seller.
Have questions? Don’t waste time: fill out the form below, get a consultation, and learn the cost of apartment verification before purchasing under the eOselya program.
Calculate the cost of services
1 question
Have you chosen an apartment to buy under the eOselia program?
2 question
Do you need to check the object for compliance with bank requirements (area, age, type of housing)?
3 question
Is a full legal audit of the apartment and the seller needed before signing a mortgage agreement?
In which regions of Ukraine do you work?
The department of real estate and land law, as a rule, works in Kyiv and the Kyiv region.
- We provide our services in all regions of the Kyiv region, for example:
- Bilotserkiv district (towns of Skvira, Tarasha, Bila Tserkva, Uzyn, Tetiiv).
- Boryspil district (the cities of Boryspil, Pereyaslav, Yagotyn).
- Brovary district (the cities of Brovary, Berezan).
- Buchansky district (towns of Bucha, Irpin, Vyshneve).
- Vyshhorod district (the cities of Vyshhorod, Slavutych).
- Obukhiv district (towns of Obukhiv, Boguslav,
- Vasylkiv, Kagarlyk, Myronivka, Rzhyshchiv, Ukrainka).
- Fastiv district (the cities of Fastiv, Boyarka).
It is worth noting that on some issues (services) we work throughout Ukraine, contact and clarify information by phone!
Do you provide consultations online or over the phone?
Yes! If you do not have the opportunity to come to the office in Kyiv, then you can pay and receive a consultation by phone or in one of the applications for conducting calls/conferences.
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Compensation for moral, material damage
Protection of honour, dignity, and business reputationContract Development for Business and Legal Entities
Licensing of business activities
Compensation for moral, material damage
Legal services in the field of cryptocurrency and blockchain
REGISTRATION OF COMPANIES AND OPENING OF BANK ACCOUNTS
Sale and purchase of ready-made firms
Grants and attracting investment
Business registration and support in Great Britain
Business registration and support in Switzerland
Business registration and support in the EU
Business Registration and Support in the Gulf Countries (GCC)
Business registration and support in Turkey
Business registration and support in USA
Lawyer for administrative cases
Legal services for medical businesses and doctors
Protection of honour, dignity, and business reputation
Real estate transaction support
Escort of the tender participant
Trial lawyer: support and defense in court
European Court of Human Rights (ECHR)

