Home support FAQ

Support application

Who is eligible to apply for home support?

Home support can be applied for by large families with limited financial resources, who do not own

  • a dwelling,
  • whose current dwelling does not correspond to modern living conditions.

The family must be raising at least three children.

What kind of dwelling does not correspond to modern living conditions?

A dwelling does not correspond to modern living conditions, when

  • there is no water and sewerage system, or
  • there are no washing facilities, or
  • the roof is not waterproof, or
  • the fireplaces do not ensure optimal indoor air temperature, or
  • the living conditions require modernisation (renovation) for another reason, or
  • there is not enough space for the family.
What can the home support be applied for?

Families can apply for the support to

a) building their home, incl.

  • for erection,
  • dding an extension,
  • remodelling,
  • renovation,
  • establishment, alteration and replacement of the building’s heating, electricity, gas, water and sewerage system;

b) buying a home.

What is meant by a project?

A project means the actions of a large family aimed at improving and modernising their living conditions with the help of KredEx Home Support. This may be a family renovating their current home or building a new one.

Please note that a project is not the same as building design documentation.

Building design documentation is a document that is necessary for construction and which is also deemed necessary by the local government along with a building permit or building notice. The building design documentation is compiled by a competent person.

How to apply for  Home Support?

1. Read the terms and conditions for applying and find out whether your family meets the requirements set for the applicant. 
Read more about the terms and conditions 
here.

2. If your household meets the requirements, set aside the documents that are necessary for submitting an application. Depending on your choice of whether to submit the application online or on paper, you will also need the documents either in the form of files or on paper. 
You can read more about the required documents 
here.

3. You may choose the channel for submitting the application and the supporting documents to KredEx:

a) in the KredEx e-service environment, digitally signed (web forms are available in the e-service environment); 
b) by e-mail (at toetused@kredex.ee) , digitally signed;
c) by registered mail (to AS KredEx, Hobujaama 4, 10151 Tallinn, keyword “Kodutoetus” (Home Support) on the envelope. 

Submit the application and supporting documents on the final date of the application round, at the latest.

You can read more about submitting the application here.

Do you need help with your application?

If you have any questions about the terms and conditions of application, finding supporting documents or filling in the application form, you can read the frequently asked questions. We urge you to also read the rest of the questions and answers.

You can also get help from

  • the social adviser and child protection official from your local government,
  • home support managers from KredEx (contact details are available here) and
  • the Estonian Association of Large Families.
What is the amount of support that can be applied for?
  • A family raising three and more children, to whom support has not been previously allocated, may request up to EUR 10,000
  • A family raising three to four children, to whom support has been allocated once before, may request up to EUR 5000 for the second time.
  • A family raising five and more children, to whom support has been allocated once, may request up to EUR 10,000 for the second time.

NB! A family can apply for Home Support for the second time, if it has used the previous support for its intended purpose, carried out the activities by the specified term and has submitted to KredEx the final report (except for a family who previously received support for the repayment of a housing loan, i.e. who is not subject to a reporting obligation).

NB! If the family has received the Home Support more than once before, it cannot apply for more support.

  • Support can be applied for up to the cost of activities, but not in excess of the maximum amount of support. 

Example 1. A first-time applicant has the right to apply for support of up to EUR 10,000; however, the cost of the dwelling they want to purchase is EUR 6000. In this case, the applicant may apply for support in the amount of EUR 6000. 

Example 2. The total amount of received price quotes is EUR 7500. In this case the family will receive the support in the amount of EUR 7500.

  • If the cost of planned activities exceeds the maximum amount of support, the applicant will have to cover the rest using self-financing. The amount of support is fixed and it is not possible to apply for additional support.

Example. The allocated support is EUR 10,000. The dwelling to be bought by the support recipient costs EUR 15,000. Accordingly, the support recipient will pay to the seller EUR 5000 from own funds.

In the case of co-ownership, the amount of support applied for depends on the size of the share in common ownership and the part of the building to be renovated.

a) To renovate a general part of the building you can apply for the support based on the size of your share in the common ownership.

Example. Replacement of the roof of a residential building costs EUR 12,000 and the applicant owns 50% of the residential building. Accordingly, the applicant is entitled to apply for support in the amount of EUR 6000. The rest of the cost for the replacement of the roof shall be paid by the co-owner of the building.

b) If the dwelling is divided into legal shares and the supported activities are carried out on the share in common ownership which belongs to the applicant and is used by his/her household, the support may be applied for within 100% of the project cost.

In this case, the applicant shall

  • prove to KredEx which part of the registered immovable is in his/her sole possession and use, and
  • present a notarised agreement on the conditions of use of the dwelling or, if this is not available, an unattested agreement of the co-owners together with the layout of the dwelling. There is still a condition that if the support is received, the support recipient shall sign a notarised agreement on the conditions of use of the dwelling with the co-owners and shall present it to KredEx before commencing the supported activities.

Example. The applicant uses apartment No. 1 in an apartment building with four apartments where apartment ownerships have not been established. The applicant wants to renovate the bathroom and the cost of works is EUR 8500. The applicant may apply for support in the amount of up to EUR 8500. He/she must submit a notarised or a written unattested agreement of use of the co-owners.

Conditions for application

Who is the applicant and his/her household?

The Applicant is a legal parent, parents who are married or cohabitants, adoptive parent(s), guardian(s) and a foster parent (partner of the parent, who is not a legal parent to any child raised in the household).

If the household includes two parents (or one parent and their partner), they must submit a joint application and they are treated as co-applicants. The application must contain the details of both parents and both must sign the application. Together with the application, both parents shall submit their tax certificates and if necessary, also income tax returns of a foreign country to prove working abroad.

The following persons are always considered household members

  • applicant;
  • at least three children up to the age of 19 (included) from the current or previous relationship or being raised in the family under a guardianship or custody agreement.

Besides the aforementioned, a household may include also additional household members:

  • applicant’s child aged 20-21, who is a pupil or student;
  • applicant’s child over 19 years of age with no work ability or who has been declared permanently incapable of work;
  • applicant’s parent, who is an old-age pensioner, with no work ability or declared permanently incapable of work.

NB! A 19-year-old child must be 19 years old at the time of submitting the application.

Example. The application is submitted on 30 March 2021 and the applicant’s child reaches the age of 20 on 30 June 2021. KredEx deems the child to be a child, as at the time of applying the child was 19 years old and meets the requirements.

It is not mandatory to list additional household members in the application, as it does not support any additional points during evaluation. Still, they increase the number of household members and accordingly, influence the total score regarding the calculation of income and square metres of the dwelling.

See also clauses 2–3 of the “Guidelines on the evaluation of applications” here.

If there is a child in the household with moderate, severe or profound disability, it will give additional points under evaluation criterion No. 4, the share of which is 10% of the overall score (see clause 4 of the “Guidelines on the evaluation of applications” here ).

To prove the disability of a child, submit to KredEx a copy of the decision concerning the determination of the degree of severity of disability. The number of disabled children does not influence the overall score of the application: if there is more than one child in the family with a disability, it is enough to prove the disability of one child.

See also clause 4 of the “Guidelines on the evaluation of applications” here.

For additional household members, present to KredEx

  • a certificate of an educational institution regarding studies and/or
  • a certificate on the determination of incapacity for work,
  • tax certificate for 2020 (even if no income was earned in 2020) and
  • when working abroad, the natural person’s income tax return received from the relevant tax authority.
What are the requirements for the registration of residence?

The requirements depend on the purpose of applying for the support.

If you request the support for a dwelling where your family currently resides, all of you have to be registered at this address.

If you request the support

  • for purchasing a new dwelling and you do not own any dwellings or
  • for the construction of a new dwelling or remodelling the current dwelling (as it is uninhabitable, which is why you are currently living in a rental apartment, for example),

all household members must be registered at your current place of residence. If this is not possible, all of you must be registered at another address, to show KredEx that you are one household.

The place of residence must be presented in detail (the name of a rural municipality or city is not enough).

The place of residence registration requirement does not apply if the household requesting the support for purchasing a dwelling is living in a rental space and the owner of the dwelling does not consent to the entry being made in the population register. In this case, the applicant will present to KredEx a written confirmation from the owner of the dwelling that the family is residing in a residential space that is owned by him/her).

There is no requirement as to the duration of the residence registration (e.g. six months before submitting the application). The only important thing is that by the time of submitting the application, the residence of all household members has to be appropriately registered in the population register.

What kind of registered immovable and additional immovable qualifies as a dwelling?

Immovable property qualifying as a dwelling is deemed to be a dwelling (i.e. a house, part of a house, farm, apartment, terraced apartment, etc.) that is intended for year-round habitation and that has a functioning heating, electricity, gas, water and sewerage system.

An additional immovable is deemed to be a dwelling in the ownership of the applicant or his/her child of up to 15 years of age, which is in the ownership of the household in addition to the dwelling subject to the supported activities and which qualifies as a dwelling.

Example. The support is requested for renovating a dwelling in the ownership of one parent and serving as the permanent residence of the family. In addition, the second parent owns a farm, which is the permanent residence of his/her grandparents. The farm serves as an additional immovable.

The following is not deemed to be an additional immovable 

  • uninhabitable dwelling, such as an unfinished building and a residential building that has amortised and/or is used for seasonal habitation (summer house). Submit the application to KredEx together with photos of these dwellings and a description or a certificate from a local government on the condition of the dwelling;
  • immovable property, acquired by community of the estate. A community of the estate is created if several successors have accepted the succession (co-successors) and the estate is owned by the successors jointly.

NB! If the applicant or his/her household member owns an additional immovable, the applicant does not conform to the requirements. If the applicant still submits the application and the non-conformity becomes evident, KredEx shall handle this as a deficiency of the application and shall give the applicant a possibility to bring the application into conformity with the requirements within ten working days after issuing a relevant notification. (Eliminating the deficiency, however, does not automatically guarantee allocation of the support.)

Read more about the regulation here.

What is the area of the dwelling and how to calculate it?

Area of the dwelling is the enclosed net floor area of the space(s) in use in square metres. To calculate the area, add up the floor area of all spaces and auxiliary rooms of your apartment or private residence (rooms, kitchens, bathrooms, toilets, vestibules, wardrobes, halls, sauna, pantry, interspace, porch and built-in wall cabinets in the dwelling).

The size of the dwelling in square metres is necessary for the evaluation of the application based on criterion No. 3, the share of which is 15% of the overall score. If the applicant does not own a personal dwelling, the size of the dwelling in the application shall be 0 square metres.

Read more in the “Guidelines on the evaluation of applications” here.

Indicate in the application

  1. the area of the supported dwelling on the basis of data in the register of construction works (see at www.ehr.ee, parts of the construction work) and
  2. the area of the dwelling in actual use, if it differs from the data in the register of construction works or if the household is living in an unfinished dwelling.

If the number of floors, square metres and rooms of the finished dwelling in the register of construction works differ from those actually in use, turn to the local government to update the data in the register of construction works.

Example. Based on the data in the register of construction works, the private residence has one floor, the area of the dwelling is 70 m2 and the private residence has three rooms. In reality, the private residence is a two-story house following completion of the second floor, the area of the dwelling is 110 m2 and it has five rooms.

The area of the dwelling is not deemed to include a cellar, garage (incl. in a private residence), boiler room, attic (if it is permanently uninhabitable) or public spaces (such as stairwell, corridor, sauna). In addition, open areas (loggia, balcony, terrace) are not included in the area of a dwelling, except for if these have been built up and insulated.

What do debts and enforcement proceedings mean?

An applicant, who is the owner of a dwelling, may not have pending enforcement proceedings to settle a debt according to the enforcement register and may have no debts exceeding EUR 1500 according to Creditinfo. The applicant may not have any court judgments that have become final with respect to the same for initiating natural person’s bankruptcy proceedings or declaring a natural person bankrupt (unless the person is released from the obligation not satisfied in the bankruptcy proceedings) and the dwelling in his/her ownership and serving as the object of project is free of restrictions in the land register, incl. seizures and notations concerning a prohibition on transfer of property).

A debt is deemed to be an unfinished payment disorder (payment disorders) shown in Creditinfo under the name of the applicant who is the owner or purchaser of a dwelling, with actual balance exceeding EUR 1500.

NB! Creditinfo shows the size of the debt amount and not the actual balance. If, according to the applicant, the actual balance of debt(s) is less than EUR 1500 and no enforcement proceedings have been commenced for collection thereof, the applicant must submit to KredEx a confirmation of the debt collector on the actual balance of the debt.

If enforcement proceedings have been commenced for the collection of debt and/or a bailiff has entered a notation concerning a prohibition on transfer of property (seizure) in respect of the dwelling, the debt(s) must be settled, enforcement proceedings ended and deleted from the enforcement register. Furthermore, the notation concerning a prohibition on transfer of property must be removed from the land register. KredEx does not accept any payment schedules and reorganisation agreements signed between the creditor and debtor for the repayment of debt.

The aforementioned restrictions do not apply

  • if the property is a separate property of the spouses, a marital property contract has been entered into between the spouses and the dwelling belongs to a spouse who is not subject to the aforementioned restrictions;
  • in the event of a civil partnership, if the applicant who is the owner of the dwelling is not subject to the aforementioned restrictions;
  • if the dwelling is owned by a child up to 15 years of age;
  • if the dwelling is owned by a child up to 15 years of age.

KredEx verifies the applicant’s information from Creditinfo, the enforcement register and Official Announcements.

The applicant may verify their information from the state portal www.eesti.ee and at https://www.minucreditinfo.ee/en/products/my-payment-defaults.

On the page eesti.ee, the applicant can view the enforcement proceedings commenced against him/her (www.eesti.ee old version: “Legal aid” Þ “Execution proceedings commenced against a debtor”). On the page of Minucreditinfo.ee, the applicant can see what kind of information is available on the applicant in Creditinfo.

Taxable income

What is taxable income?

Taxable income i.e. gross income is income on which income tax is charged and from which income tax has not been deducted (gross amount). 

Taxable income must be proven for the evaluation of the application under criterion No. 2, the share of which is 20% of the overall score.

Read more in the “Guidelines on the evaluation of applications” here.

KredEx includes in taxable income the remuneration of all adult household members, parental benefit, benefits for incapacity for work, unemployment insurance and severance pay, pensions, employer’s contributions into third pension pillar, payments from funded pension, dividends received as a result of entrepreneurship and payments made from shareholders’ equity (information is shown on the tax certificate), received in Estonia and in a foreign country in 2020.

KredEx does not include in taxable income the income that is not subject to income tax (e.g. maintenance support, child allowance), previously paid out Home Support or remuneration of a child younger than 18 years of age.

The applicant has to certify the taxable income or lack of income with documents. For that, the applicant shall submit to KredEx the tax certificates of all adult household members and income tax returns issued by a foreign tax authority when working abroad.

The maximum amount of taxable income when applying for the Home Support is EUR 355 per household member in one month. If the income is higher, the applicant cannot apply for the support in 2021 (KredEx will reject the application).

Read more from subsection 15 (1) of the regulation here.

Tax certificate
The tax certificate shall state as income the payments reported by the employer(s), benefits for incapacity for work, unemployment insurance and severance pay, pensions, employer’s contributions into third pension pillar, payments from funded pension and taxes, dividends received as a result of entrepreneurship and payments made from shareholders’ equity and debts. The basis for the information is the natural person’s income tax return.

The tax certificate shall specify the applicant’s income during the period from January to December 2020.

The tax certificate shall be submitted for the taxable income received by all adult household members in 2020.

If this household member is obliged to submit an income tax return, the certificate must contain the same information on his/her income that is specified in his/her natural person’s income tax return. This means that

  1. first, he/she shall submit the income tax return to the Tax and Customs Board (this can be done from 15 February to 30 April 2021),
  2. thereafter he/she shall take a tax certificate from the e-service of the Tax and Customs Board and shall send it to KredEx.

Please note!

  • You should also submit a tax certificate if you did not receive any taxable income in 2020 (this way you certify to KredEx that you did not have any taxable income during the year).
  • The tax certificate must be signed by the Tax and Customs Board digitally or on a paper.
  • Please do not submit your income tax return instead of the tax certificate!
How to calculate taxable income per household member in one month?

1. Get the tax certificates of all adult household members for the year 2020 and natural person’s income tax returns issued by a foreign tax authority when working abroad.

2. Find the gross amount of annual income on the tax certificates (and foreign tax returns) and calculate the average income. For that, add up the annual income of all adult household members and divide the result by 12 (number of months in a year). Finally, divide the amount by the number of household members living in the household during the application period and stated in the application. This is the taxable income per household member in one month.

Example. A family includes two parents and three children, one of whom is 19 years old at the time of applying. The youngest was born in 2021, before submitting the application. The taxable income for 2020 based on the tax certificates in case of the father is EUR 5000, mother EUR 10,000 and the 19-year-old child EUR 500. Accordingly, the monthly income per one family member is EUR 258.33. Calculation: ((5000 + 10,000 + 500)
: 12) : 5 = 258.33.

3. Submit the tax certificate to KredEx with the qualified electronic seal of the Tax and Customs Board or signed on paper.

How to obtain the tax certificate?

The tax certificate file can be retrieved by adult family members on the Tax and Customs Board website. For that, do the following:

  1. Enter the e-tax board here and select from the left column “Registers and inquiries”.
  2. Select from the left column “Compilation of certificates”.
  3. Select from the right “New certificate” and from the drop-down menu “Taxation data certificate”.
  4. Select January 2020 as the beginning period and December 2020 as the ending period.
  5. All the income types below have a tick mark by default. Do not change these.
  6. Select the button “Compile certificate”.
  7. Save the certificate in your computer or smart device. For that, press the button “Download” and select the digidoc format.

There is also a possibility to send the certificate by e-mail next to the certificate. Use it only if you wish to send the certificate to your e-mail address.

NB! Do not send the tax certificate separately to the e-mail address for KredEx. Send it together with the application.

If you are unable to compile the tax certificate on the webpage of the Tax and Customs Board, visit your local Tax and Customs Board office. You will be issued the certificate on a paper together with a stamp and signature of the customer service attendant.

NB! Please make sure that the tax certificate states all of the required types of income, i.e. income based on the natural person’s income tax return, payments reported by the employer(s), benefits for incapacity for work, unemployment insurance and severance pay, pensions, employer’s contributions into third pension pillar, payments from funded pension and taxes, dividends received as a result of entrepreneurship and payments made from shareholders’ equity and debts.

Intended purpose: construction-related activities

What is meant by construction?

Construction includes all construction-related activities:

  • erection of a new dwelling,
  • adding an extension to the existing dwelling, remodelling or renovation, completing an unfinished dwelling or remodelling an uninhabitable dwelling,
  • establishment, alteration and replacement of the heating, electricity, gas, water and sewerage system of the existing dwelling.

Please make sure that the construction works to be performed with the support and their scope are practicable and remain within the support amount, if you lack the required self-financing.

NB! If the cost of the planned activities is higher than the support amount applied for, you will have to pay the remaining amount by self-financing, if you are allocated the support.

What costs are eligible?

1Costs in connection with compiling the building design documentation and owner supervision, which are necessary for implementing the supported activity. Construction supervision is not mandatory. 

The cost of compiling the building design documentation is eligible within up to 20% of the support amount stated in the decision on approving the application, if the building design documentation was compiled after 1 March 2016. The remaining amount is to be paid by the applicants themselves.

2. Costs for the erection of a dwelling. Support may be requested if, when submitting the application, you confirm that you will start using the dwelling to be built as the permanent residence of your household within two years as of the allocation of the support and guarantee the cost of the remaining planned activities with self-financing. 

NB! Preliminary activities related to the erection or remodelling of the house, such as purchasing and surveying the land, preparing geodetic base plans, costs in connection with the detailed plan and connection charges of utility and communications systems are not eligible.

3. Costs of adding an extension to the dwelling (i.e. building of an annex adjoining, abutting, overlying or underlying the construction work)

4. Costs of remodelling the dwelling (i.e. such remodelling in the course of which the properties of the existing construction work are significantly altered)

5. Costs of renovating the dwelling (i.e. replacement of specific elements of an existing construction work with equivalent elements) 

NB! Support may only be requested for remodelling or renovation of an uninhabitable dwelling if you start using the dwelling as the permanent residence of your household within two years as of the allocation of the support and guarantee the cost of the remaining planned activities with self-financing. 

6. Costs of the installation, modification or replacement of utility systems or networks. Utility systems and heating systems (furnace, stove, fireplace, central heating boiler, air-heat pump, geothermal heat pump), water and sewerage systems (establishment of a well, water connection or sewerage (septic, drain field, etc.)) and electricity and gas systems.

Which building material, product or service costs are eligible?

Eligible costs include (i.e. these costs can be made from the support money) the purchase of disposable tools (paint brushes, masking tapes, sand paper, work gloves, etc.), purchase of sanitary installations (bath, shower cabin, toilet bowl, faucet mixer, hot water boiler, etc.), purchase of luminaires as a part of renovating the electricity system, tool rental, removal of building waste and transport of building materials (if the service is provided by the seller of materials and the service charge is included in the same invoice with the materials).

The following are not eligible (i.e. these costs cannot be made from the support money) purchase of reusable tools (cordless drill, saw, cement mixer, hammer, screwdriver, etc,), excessive and sumptuary costs (Jacuzzi, hot tub, etc.), purchase of household appliances (stove, air cleaner, electric heater, ventilator, electric hand drier, etc.), purchase of furniture and parts thereof (kitchen furniture, sink cabinet, bathroom furniture, mirror, sliding doors, wooden boards for building the furniture, door hinges, cabinet knobs, wardrobe goods, etc.) and purchase of interior elements (curtain rods, blinds, carpet, mirror, etc.).

Who can perform the construction works?

The works can be performed by a

  • construction company,
  • sole proprietor, or
  • the support recipients by themselves.

A building design project may be compiled by a person who conforms to the requirements set out in sections 21–24 of the Building Code. You may read the Building Code here.

Do I need to submit a building permit or a building notice when applying?

No, you do not need to submit these when applying. Still, we recommend you to check already while preparing the application whether a building notice or a building permit and building design documentation are required for the performance of works pursuant to the Building Code. If necessary, consult the local government construction advisor.

If the building design documentation is required, you may enclose the cost of compiling the building design documentation in the construction budget. For that, take two comparative price quotes.

The state fee for a building permit is not eligible. The building notice is free of charge.

What supporting documents must be submitted when applying?

The required supporting documents are price quotes, construction budget (on KredEx form) and photos. Read more about these below.

1. Price quotes

Request quotes based on the reason are requesting the support and who will be performing the works.

  • If you want to purchase building materials and products or equipment and you will be performing the works by yourself, submit one price quote from a seller of the building materials and products or equipment. You may request price quotes from several companies, for example, for buying window frames from a window company, for buying construction timber from a sawmill and for buying general building materials from a building material store.

NB! No remuneration may be paid from the support money for the work performed by the applicants themselves.

  • If you want to order the construction works together with the building materials and products or equipment or without them, you will have to submit two comparative price quotes from the performers of the work(s).

You can perform a part of the supported activities by yourself and order some activities.

Example 1. You order windows and installation from a window company (take two comparative price quotes) and you do the interior decoration yourself (request one price quote for building materials).

Example 2. You order the electricity works from a company (take two comparative price quotes) and you insulate the floors yourself (request one price quote for building materials).

The price quotes submitted during the application process are initial. The detailed description, quantity and prices of services, building materials and products or equipment and the deadline for quotes are not binding upon you as the applicant. This means that if KredEx decides to allocate you the support, you may order the services and buy the building materials and products or equipment stated in the application from suitable companies throughout Estonia. The only precondition is that the supported activities are performed.

NB! Make sure to submit the price quotes together with the construction budget.

After you are allocated the support, you may still make changes in the construction works specified in the application. Read more about it here.

2. Construction budget and its execution

Fill in the construction budget yourself (do not let the construction company do it) based on the previously requested price quotes. There is no need to rewrite the content of price quotes in the budget form. It is enough to write the general name of the works in the budget form (such as “renovation of bathroom”, “replacement of roof”).

If you fill in the form on a computer, write the numbers with decimal points as Excel calculates and states the sums in the necessary fields at the end of the table automatically.

  • For services select the more suitable one from two comparative price quotes (there is no obligation to select the cheapest). Enter in the construction budget, under Part A
    • clause 1 the name of the company or sole proprietor who issued the price quote;
    • clause 2 the general titles of the planned works, such as “renovation of bathroom”, “replacement of roof”;
    • clause 3 the total amount of price quote(s) (add the required number of price quotes to the budget).
  • In the event of purchasing building materials, enter the details of all the requested price quotes under Part B of the budget:
    • in clause 1 state the name of the company that issued the price quote,
    • in clause 2 state the general title of work, such as “replacement of roof”;
    • in clause 3 state the amount of price quote(s).

In Part C of the budget describe

  • the deficiency of the dwelling (such as “the roofing tiles are broken, roof beams have sagged, the roof is leaking, the living room ceiling has water damage”) and
  • what works you plan to do with the support (e.g. “We want to replace the roof beams and mount profiled sheet on the roof”.

The total sum of the construction budget must equal the sum of the selected price quote(s). 

Example. The total sum of the selected price quotes is EUR 7500 and the sum of construction budget is EUR 7500. Accordingly, it is possible to apply for the support in the amount of up to EUR 7500.

If the total budgeted sum is bigger than the maximum amount of support, you as the applicant will have to pay the remaining cost of budget by self-financing if you are allocated the support.

NB! The total sum of construction budget = cost of supported activity

3. Photos of the dwelling

Submit photos or the dwelling owned by you or a child up to 15 years of age, if you apply for the support for

  • the construction-related activities of this dwelling (for the erection of a new dwelling, adding an extension to, remodelling or renovating an existing dwelling, completing an unfinished dwelling or remodelling an uninhabitable dwelling, as well as for the installation, alteration or replacement of the heating, electricity, gas, water and sewerage system of the existing dwelling), or
  • purchasing a new and more suitable dwelling for the household.

The photos must enable KredEx to assess your current living conditions and the situation, the deficiencies of the dwelling and the need for support.

Requirements for photos

  1. Two photos of the exterior of the house (front and back) in a way that the envelope elements (roof, facade, basement, doors and windows) are visible.
  2. One or two photos of the living space in the house or apartment (vestibule, kitchen, sauna, toilet, living room, bedrooms, etc.) in a way that the doors, windows, floors, walls, ceilings and heating solution (furnace, stove, heat wall, heat pump, fireplace, etc.) of the rooms are visible.
  3. Submit one photo of the exterior of the sauna in an outbuilding and two photos of the washing and steam room inside.
  4. For construction-related activities, one or two close-up photos about the deficiencies of the dwelling (e.g. a hole in the roof, water damage in the ceiling or walls, rotten window frames, broken heater, mould), for the improvement of which you need the support.

NB! The photos must be as complete as possible and of high quality. Do not submit photos that are blurry, black-and-white or were taken when it’s dark. Also, photos, which show only single parts of the room (except for photos aimed at showing the deficiencies of the dwelling) are unsuitable.

Options for submitting photos

To submit photos and other documents to KredEx you can choose from three options:
Submit these either
a) as files in the e-service environment in an annex to the application, or
b) as files attached to an e-mail, if you submit the application by e-mail, or
c) on a paper format or printouts of digital photos, if you submit the application by post.

Requirements for image files

Name each photo to explain what is depicted.

Please note that if you submit the application and additional documents by e-mail, we can receive files up to 10 Mb in one e-mail. You have two possibilities:
a) 
send the image files in several e-mails (each e-mail up to 10 Mb), or
b) copy all photos into one Word document and attach these to the application as one file. 

Please do not insert the images in the e-mail but attach them in a file/files.

Intended purpose: purchase-related activities

For what kind of dwelling, from whom and for what can I buy?

The purchase price of the dwelling may not exceed five times the support amount.

You may buy a house, a part of the house, terraced apartment, apartment or a farm. (You cannot purchase land with the support.)

The dwelling to be bought must

  • improve and modernise the living conditions of your household,
  • be at least in a satisfactory condition,
  • be ready to move into,
  • have bathing facilities and a functioning water, sewerage and heating system.

This means that you may not use the support to purchase an uninhabitable dwelling or a dwelling that does not corresponding to modern living conditions.

If the support is paid out, the dwelling to be bought must become a permanent residence of the entire household. This means that the support may not be used for buying a dwelling for single family members (such as adult children or grandparents).

It is not allowed to buy a dwelling from

  • a household member, or
  • a person who is a direct blood or collateral relative, i.e. from parents, grandparents, children, grandchildren, brother, sister, uncle, aunt and cousins. 

The purchasing of
a) one dwelling is permitted;
b) dwellings located side by side or on top of each other or living quarters next to the dwelling owned by the applicant or on top or below of it with the aim of assembling them together into one dwelling.

If the cost of the dwelling to be bought exceeds the maximum amount of requested support, you have to pay the missing amount using self-financing, if you are allocated the support. You may use the Home Support for the payment of the self-financing of a housing loan and if necessary, use also the housing loan guarantee of KredEx. Additional information on the guarantee is available here.

An applicant whose debt(s) exceed(s) EUR 1500 and/or against whom enforcement proceedings have been commenced for the collection of the debt(s) and/or against whom bankruptcy proceedings have been commenced or bankruptcy declared (unless the person is released from the obligation not satisfied in the bankruptcy proceedings) must confirm when applying that the applicant will buy the dwelling into the ownership of a child of the household of up to 15 years of age. To carry out a transaction on behalf of a minor, you need the court’s permission, which must be presented to a notary before executing the notarised purchase-sale transaction. To submit an application, the court’s permission is not required.

If the cost of the dwelling to be bought is less than the maximum amount of support and the dwelling needs renovation, the support may also be applied for concurrently for renovating the dwelling.

Example. The applicant wants to purchase a dwelling that needs renovation at a price of EUR 6000. The applicant may submit the application for purchasing the dwelling at EUR 6000 and for renovating for EUR 4000, totalling EUR 10,000. The applicant must present to KredEx the description of the dwelling to be bought, the construction budget and price quotes. More information is available here.

When evaluating the applications KredEx does not assess whether the dwelling that the applicant wants to buy corresponds to the objectives of the support. Therefore, allocation of the support does not automatically entitle the support recipient to buy the dwelling stated in the application.

The purchase request must be approved by KredEx ten working days before entering into a notarised purchase-sale contract. For that, submit the description of the new dwelling (to be bought) together with photos. KredEx will review the purchase request, assess the correspondence of the dwelling to the objectives of the support and shall either give its consent to purchasing the dwelling or shall refuse the consent.

You do not have to buy the specific dwelling, the details of which you presented in the application. This means that if the support is allocated, you may find a more suitable dwelling for your household. You have two years to do so, starting from entry into force of the decision on allocating the support.

If you purchase a dwelling that conforms to the conditions of allocating the support at the time of processing the application, KredEx will be entitled to proceed from the situation prevailing at the time of submitting the application. KredEx will reimburse you for the costs incurred with the purchase if the purchased dwelling conforms to the conditions of the support.

Allocation of the support does not entitle you automatically to enter into a notarised real right purchase-sale contract. The purchase of the dwelling must be approved in advance by KredEx.

What supporting documents must be submitted together with the application?

If you wish to purchase a dwelling, provide the following supporting documents.

1. Description of the dwelling to be purchased (using an online form in the e-service environment or the KredEx form).

Select from real estate web portals (www.kv.ee, www.city24.ee, etc.) the sample dwelling that corresponds to the needs of your household, which you want to buy using the support. Based on its details, fill in the description of the dwelling to be bought. You may request support also for purchasing the dwelling where you are residing based on a rental contract or a contract under the law of obligations.

2. Photos

Add photos to the application, if you or your child up to 15 years of age own a personal dwelling and you are requesting support for buying a new dwelling.

With the photos you prove that your current dwelling is either not large enough for your household or that it lacks modern living conditions.

Requirements for photos

  1. Two photos of the exterior of the house (front and back) in a way that the envelope elements (roof, facade, basement, doors and windows) are visible.
  2. One or two photos of the living space in the house or apartment (vestibule, kitchen, sauna, toilet, living room, bedrooms, etc.) in a way that the doors, windows, floors, walls, ceilings and heating solution (furnace, stove, heat wall, heat pump, fireplace, etc.) of the rooms are visible.
  3. Submit one photo of the exterior of the sauna in an outbuilding and two photos of the washing and steam room inside.

NB! The photos must be as complete as possible and of high quality. Do not submit photos that are blurry, black-and-white or were taken when it’s dark. Also, photos, which show only single parts of the room (except for photos aimed at showing the deficiencies of the dwelling) are unsuitable.

Name each photo to explain what is depicted.