Conditions for state support in housing construction and lending have been changed in Belarus
Approaches to housing construction and lending procedures have been improved in the country. This is stipulated by Presidential Decrees No. 95 "On State Support for Housing Construction" and No. 94 "On Amendments to the Decree of the President of the Republic of Belarus" dated March 6, 2025, BELTA reports.
Decree No. 95 "On State Support for Housing Construction" has been adopted to create a unified regulatory document for providing state support to citizens in improving their housing conditions. It consolidates all existing forms of such support in the country. The amounts of state support are set at the current level. The categories eligible for it (all civil and military personnel) and the procedures and conditions for its provision remain unchanged.
The decree provides for three forms of state support for housing construction or acquisition: preferential loans for the construction of individual residential houses, apartments in semi-detached houses, as well as for the acquisition of individual residential houses, apartments in apartment buildings or semi-detached houses built under state orders (21 categories of citizens), one-time subsidies for housing construction or acquisition (17 categories of citizens), and financial assistance from the state in repaying preferential loan debt (for large and young families, upon the birth of children). Certain categories of citizens may be eligible for all forms of state support.
Among the main innovations of the decree are the exclusion of citizens from participation in shared construction and the provision of preferential loans only for the purchase of apartments in apartment buildings built under state orders (while for individual residential houses, lending for construction and purchase is maintained). In addition, subsidies for the repayment of debt and interest on commercial loans for housing construction are being replaced by preferential loans. In settlements with a
debts on preferential loans are reissued to citizens under sale and purchase agreements with citizens.
The decree provides for the possibility of constructing part of the apartments in an apartment building under a state order and part of the apartments at the expense of the budget for providing citizens with rental and social housing. Among the innovations is also the sale of housing built under a state order to all citizens registered as needing to improve their housing conditions (previously - only those entitled to state support).
All changes came into force on June 1, 2025. State support for residential buildings, the construction of which began before the specified date, will be provided on the previous terms.