- What reasons can lead to a refusal to issue housing from GIK? - Here are the main reasons why a citizen may be denied:
- If at the time their turn comes, the citizen has already purchased housing;
- If in the last three years they or their family members (spouse and children under 18) have made real estate transactions, including purchases or gifts;
- If at the time of applying, the citizen is not officially employed;
- If they have moved abroad for permanent residence.
- Can marrying a housing owner lead to a refusal? - If a citizen was in the GIK queue and got married to someone who owns housing by the time they receive their apartment, then yes, they will be denied.
- Will changing jobs affect the ability to receive housing? - If a citizen was initially in the queue as a government employee and then resigned and moved to the private sector, their chances of receiving housing will be reassessed. However, it is important that at the time of application, they are officially employed. If they are working unofficially or cannot confirm their income, they will be denied.
- What if a citizen has a low salary? - Such cases are analyzed individually. For example, if the salary is lower than the rental cost of an apartment, additional information about the family’s income may be requested, including the salary of the spouse or other sources of income. The main goal of GIK is to ensure that the citizen will be able to pay for the housing in the future.
- How does having loans affect the ability to receive an apartment? - If a citizen has a loan and is repaying it without delays, this will not be a reason for refusal. However, having debts and a poor credit history may be grounds for denial.
- Does the status of a guarantor for someone else's loan affect the issuance of housing? - If a citizen acts as a guarantor, the main borrower must fulfill their obligations on time. Otherwise, if the main borrower defaults, the citizen may be denied housing from GIK.
