Sunday, 06 October 2024 14:55 
Block 2: Challenges of modern development: policy and forecasts
✅The second block of Business Day of CBU was dedicated to housing development trends.
☑️The event was moderated by Oleksandr Chervak, CEO of CBU.
👤Andrii Tarasenko, Director of the department of development of partner projects and alternative products "Ukrfinzhytlo", congratulated those present on the second anniversary of the eOselia (eHousing) program and talked about the achievements of the program.
He said that more than 13,000 Ukrainian families became owners of housing worth more than 21 billion hryvnias thanks to eOselia and noted that 82 developers have already joined the program.
Among the main prospects for the development of the eOselia program, Andrii Tarasenko attributed a greater emphasis on the primary market, the creation of a unified developer questionnaire and digitization of eOselia processes.
"We have a desire to make eOselia a product that stimulates the economy," the expert emphasized.
👤Mykola Marchuk, Chairman of the Board of State Fund for Support of Youth Housing Construction (SFYH), told the participants of the discussion about the project for the development of sustainable housing solutions at the expense of grant funds from the German Government, provided through the KfW Development Bank.
He outlined the main stages of project implementation and told how Ukrainians can use this program.
So, the main conditions for obtaining a loan for internally displaced persons are:
🔸lack of housing in the territory of Ukraine (except of the one in the occupied territory, the territory of hostilities);
🔸confirmed solvency;
🔸positive credit history.
👤Olena Unanyan, LUN Development Director, informed the audience about real estate market statistics as of September 2024.
In particular, she familiarized the participants with primary market analytics, primary and secondary housing prices, and provided information on sales statistics.
The expert noted that from the beginning of the full-scale invasion until today, sales of 481 residential complexes have started in Ukraine, in particular, the largest number of new housing complexes have started sales in Lviv, Kyiv, Zakarpattia, Ivano-Frankivsk, and Ternopil regions.
She also reported that there are currently 1,543 new condominiums for sale, of which 25% started sales for the first time after February 24, 2022.
Regarding the pace of putting complexes into operation, Olena Unanyan said that in September, the State Statistics Service of Ukraine updated the report, according to which 4.57 million sq.m. of housing were leased.
👤Olena Dmitrieva, First Deputy Chairman of the Board of Globus Bank, spoke about the future of commercial mortgages in Ukraine and revealed the following topics:
🔸the level of commercial mortgages in Ukraine as of 2024;
🔸demand for mortgages on the primary market;
🔸mortgage rates in certain European countries in 2024;
🔸forecasts regarding mortgage lending in Ukraine;
🔸Western European mortgage lending trends.
According to her, the level of commercial mortgages in Ukraine does not exceed 3% of the total, but the demand for mortgages in the primary market is still quite weak.
Olena Dmitrieva compared the levels of mortgage rates in the world and answered questions about Ukraine's need for commercial mortgages.
Thus, the expert noted that citizens need a commercial mortgage if the rate is low, banks - if there is demand, the state - if there is not enough money for subsidies.
Regarding foreign trends in international lending, Olena Dmitrieva noted that most countries emphasize the energy efficiency of buildings and the uncertainty of interest rates. Also, they are currently actively implementing artificial intelligence technologies at the consulting stages and developing open banking and open data.
👤Anna Anisimova, Head of the investment and analytics department of Intergal-Bud, provided the current state of primary real estate sales, in particular, she talked about:
💠demand and transaction trends as of September 2024;
💠trends in the price policy of developers;
💠housing, which is the most bought in Ukraine;
💠payment conditions when buying housing;
💠demand trends;
💠general trends of the primrose market;
💠key problems of the primary real estate market in 2024;
💠market problems that may arise in the future;
💠potential drivers of the primary real estate market.
So, Anna Anisimova noted that currently Ukrainians most often buy ready-made housing or housing, the construction of which will be completed within the next 6 months. They mainly choose spacious housing, which is caused by the emergence of the affordable mortgage program (eOselia), which allows you to choose housing with a larger area.
As of now, the Head of the investment and analytics department of Intergal-Bud called the constant growth of construction costs and the lack of qualified personnel the key problems of the primary market.
👤Dmytro Struk, Development Director of Kreator-Bud, spoke about the main trends in residential construction, among which he named accessibility, speed and economy as the main ones. Using the example of the company's own projects, he explained how to achieve these trends.
So, on the territory of the residential complex there are a park with an area of 2 hectares with its own reservoir, children's play areas, walking alleys, sports grounds and areas for pets to walk. In addition, a sports center is located in one of the buildings of the complex, which can be used by all residents.
Dmytro Struk noted that each of the developers should continue to create new housing, opportunities for people and jobs.
👤Olga Sydorchuk, Head of the CBU Committee on Normative and Legislative Activities, Head of SEMPRA LAW, presented legal aspects of development.
In particular, she reviewed the Law of Ukraine "On guaranteeing property rights to real estate objects that will be built in the future", reforms in the field of urban planning and talked about the explanatory campaign of the State Inspection of Architecture and Urban Development of Ukraine.
Also, Olga Sydorchuk explained the conditions of participation in the "DOMIVKA + Rent and Buy" program. Thus, in the capital, internally displaced persons who are included in the register of citizens who need housing for temporary residence, and participants in hostilities can rent an apartment with a 50% discount and the possibility of further purchase of the apartment through the "DOMIVKA+" project.
Also during the event, current challenges of the industry and effective coordination of efforts for the future reconstruction of Ukraine were discussed.
📋The program of the event included several blocks:
🔹Block 1: State of professional training of personnel for the construction industry. National study
🔹Block 2: Challenges of modern development: policy and forecasts
🔹Block 3: Extended meeting of the Board of Directors of СBU
More information about Business Day of CBU at the link:
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TOGETHER TO VICTORY!
GLORY TO UKRAINE! 💙💛