Thinking about buying an apartment in a new building but confused by financial terms? Don’t worry — in this article, Alliance Novobud clearly explains what mortgage, installment plan, and equity participation mean, and how each option can help you move into your dream home.

What Is a Mortgage?

A mortgage is a bank loan for purchasing property, secured by the property itself as collateral.

How does it work?

1. You choose an apartment in one of Alliance Novobud's residential complexes.
   
   
2. You apply for a loan from a partner bank (such as Ukrgasbank, Oschadbank, Globus Bank, etc.).
   
   
3. The bank reviews your financial history and income.
   
   
4. If approved, the bank provides the funds, and the apartment is held as collateral until the loan is repaid.
   
   

Typical mortgage conditions:

• Down payment — starting from 20% of the apartment price.
  
  
• Interest rate — from 0.01% (special offers available).
  
  
• Loan term — up to 20 years.
  
  
• Early repayment — allowed and encouraged.
  
  

Mortgage options with state support under the eOselya program are available in Krona Park II, Madison Gardens, and Lavandovyi residential complexes.

What Is an Installment Plan?

An installment plan allows you to pay for an apartment in parts without interest, directly to the developer, until the building is completed.

Key benefits:

• No banks or credit checks required.
  
  
• No overpayments.
  
  
• Flexible payment schedule.
  
  

Installment terms with Alliance Novobud:

• Initial payment — from 10–30%.
  
  
• Further payments — monthly or quarterly.
  
  
• Early payoff — possible at any time.
  
  
• Fixed price per m² upon contract signing.
  
  

Installment plans are ideal for buyers who have partial savings and want to avoid bank loans.

What Is Equity Participation?

Equity participation in construction is a legal investment model where you, as the investor, help fund construction and, in return, receive ownership of the apartment upon project completion.

Key features:

• You sign a contract under a construction financing fund (CFF).
  
  
• Your money is directed specifically to the building project.
  
  
• Your rights are protected under Ukrainian law.
  
  
• Notarized agreements and state oversight apply.
  
  

???? Alliance Novobud operates strictly in compliance with Ukrainian legislation and uses transparent, secure investment mechanisms.

Which Option Is Best for You?

Option	Best For	Key Details
Mortgage	Those with stable income but not enough savings.	Bank loan, may include interest.
Installment Plan	Buyers who want flexibility without credit.	Interest-free, pay directly to developer.
Equity Participation	Investors ready to fund construction from the start.	Legal framework via CFF.

Why Choose Alliance Novobud?

• Trustworthy: Over 19 years in the market.
  
  
• Transparent: All projects have full legal documentation.
  
  
• Flexible purchase options: mortgage, installment plans, promotions.
  
  
• Modern residential complexes in Kyiv and Brovary: with green spaces, infrastructure, and thoughtful design.
  
  

Want more details? Leave a request on the website and our managers will help you find the perfect option.