In Ukraine, debtors of liquidated banks have been extended simplified terms of repayment of loans
The Individual Deposit Guarantee Fund has extended the simplified loan repayment terms for individual borrowers for the period of martial law. If earlier they were valid until September 1, 2025, now the term has been extended until August 31, 2026. This program applies to debtors of banks undergoing liquidation, reports the press service of the FSVFO.
Under favorable conditions, Ukrainians can pay loans at a symbolic rate of 0.001% per annum and a fee of 1 kopeck. Minimum monthly payments are set: UAH 10,000 for mortgage loans, UAH 1,000 for other types of loans, and UAH 5,000 for card loans with a debt of over UAH 100,000. Borrowers also have the opportunity to fully repay the debt on these terms during the entire period of liquidation of the bank.
The effectiveness of the program is confirmed by the results: in July 2025 alone, more than UAH 36 million was received from repayment of loans. In total, since 2022, debtors of banks under the management of the Fund have returned almost UAH 1.3 billion, of which over UAH 870 million came from economic entities.
For legal entities and entrepreneurs, there are separate restructuring conditions introduced as early as August 2023. They include a 5% down payment, monthly amortization payments and different interest rates depending on the term: 0.1% per annum for periods of less than 18 months, 3% for periods of 19-24 months and 5% for periods of more than two years.
Creditors of banks that are in the process of liquidation under the management of the Fund received UAH 45.7 million in July 2025. These payments are made at the expense of the sale and management of assets of insolvent banks.
