In April 2026, bank borrowers under the management of the Deposit Guarantee Fund of Individuals (FGWFO) paid an additional 17.4 million UAH under loan restructuring programs. This once again confirms the trend of increasing responsibility among borrowers regarding the repayment of debts to the banking system.
This is reported by Finway
Total Payments Increased to 1.5 Billion UAH
Since the beginning of 2022, the total amount of receipts from bank borrowers subject to liquidation by the Fund has reached 1,509.2 million UAH. According to the Director of the Bank Liquidation Department of the FGWFO, Tetiana Starceva, more and more debtors are choosing restructuring, which allows them not only to settle their debt obligations but also to ensure financial stability and focus on the development of their own business.
“Borrowers are increasingly choosing restructuring, as it allows them not only to settle their debts but also to maintain the predictability of financial activities and concentrate on business development. Agreements with creditors help avoid prolonged disputes, additional costs, and the risks of asset loss,” explained the Director of the Bank Liquidation Department of the FGWFO, Tetiana Starceva.
Repayment Conditions for Individuals and Legal Entities
For individuals, during the state of war, simplified loan repayment conditions are in effect, extended until August 31, 2026. Under these conditions, the annual interest rate is 0.001%, and the fee is 1 kopeck. For mortgage loans, the minimum monthly payment must be no less than 10,000 UAH, for other loans – from 1,000 UAH, and for credit cards over 100,000 UAH – at least 5,000 UAH per month. Borrowers have the opportunity to fully repay the loan on favorable terms throughout the entire liquidation period of the bank.
Legal entities and individual entrepreneurs since August 2023 can take advantage of the recommended restructuring conditions, which include an initial payment of 5%, monthly amortization payments, and full repayment of the principal amount, interest, and fees at the stage of bank liquidation.
As a reminder, in the first quarter of 2026, bank borrowers undergoing liquidation by the FGWFO paid off 55.2 million UAH in debts under loan restructuring programs.