The goal of the support is to improve living conditions for families of modest means who have three or more children. Families can use the support to purchase, renovate or expand their home and modernize the systems within their home.

Applications could be submitted from 16 March until 20 April 2020.


  • Living conditions for families with many children will improve.
  • Social exclusion will decrease through improved living conditions.

For who?

  • private and family

Service is suitable if

  • the family has at least three children up to and including the age of 19
  • the taxable income received per member of the household in the year preceding the application was not more than 355 euros per month, not including previous home support allocated.
  • the applicant has not previously received home support more than once.

Important conditions

Activities eligible for the support:
  • Buying a home for the family if the household lacks housing in personal ownership, or the housing owned by the household does not meet modern living standards or isn insufficient in terms of space that the household can be reasonably presumed to need.
  • Activities related to construction in the case of housing that is owned or co-owned by the applicant or the applicant’s child up to the age of 15 include: building a new structure; conversion; expansion; renovation; establishing, changing or replacement of technical utility systems or networks; covering expenses related to preparation of the building documentation needed to prepare a design project, owner’s supervision, application for building permit and submission of notice of construction.
Level of support:
  • A single family may be allocated the home support on two occasions. The maximum amount of support for first-time applications is 8,000 euros. The maximum support for second application is 5,000 euros. Households that have been allocated home support previously two or more times may not apply again.
  • We support projects intended to improve the applicant’s living conditions in the extent of up to 100% of the project cost, but not more than the maximum support amount.
  • The home support is classified as taxable income for the purposes of the Income Tax Act. KredEx pays income tax for the recipient, deducting it from the support amount. Thus, disbursed support may have an influence on the recipient’s basic exemption.
Requirements for the applicant:
  • The applicant’s family is raising at least three children up to and including the age of 19;
  • The applicant along with children and additional household members (not including children living in the applicant’s household or foster family) are registered in the Population Register as residing permanently in the residential space constituting the object of the project. In the case of acquisition of new housing, building a new structure or renovating a residential space unfit for living in, the applicant along with children and additional household members (not including children living in the applicant’s household or foster family) are registered in the Population Register as residing at the same address.
  • The taxable income received per member of the household in the year preceding the application was not more than 355 euros per month, not including previous home support allocated.
  • The applicant or their child up to the age of 15 is the owner or co-owner of the residential space constituting the basis for the support.
  • The applicant and/or their child up to the age of 15 does not own more than one registered immovable that qualifies as a residential space, with the exception of apartment property or parts of a house that adjoin each other or are on top of each other, or in the case that the purpose of applying for the support is to connect such adjoining or vertically adjacent residential spaces.
  • The applicant has not previously received home support more than once. By the time of the second application, the previous support must have been used for the required purpose, the project must have been ended in a timely manner, and the final report on use of the support must have been submitted to KredEx.
  • No recovery proceedings for home support previously allocated have been launched or carried out against the applicant.
  • An applicant who owns housing may not have, according to Krediidiinfo credit reporting agency data, indebtedness (payment problems) totalling more than 1,500 euros; no enforcement proceedings for collection of debts may have been initiated; no court decision for initiating personal bankruptcy proceedings against and/or declaring personal bankruptcy may have entered into force; and applicant’s property and the housing subject to the support may not have restrictions in the land register, including impoundments, prohibitions on transfer, etc.
  • The term of validity of the residence right or residence permit of at least one parent must, as of the allocation of support, be later than the date for performance of obligations specified in the decision approving the support.
Documents needed to apply

The following documents are required to apply for the home grant:

1. Application

When submitting the application in the KredEx’ e-service environment, use the relevant online form available in that environment; the application has to be digitally signed; or Application in PDF format for submission by e-mail; the application has to be digitally signed; or Application in Word format for submission on paper by post.


Attention! Applicants’ identity documents, marriage certificates and children’s birth certificates are not required on the application and need not be submitted.

Take a look at the frequently asked questions here.

  • in the case of an additional household member, the certificate from the educational institution or the decision issued after a medical assessment confirming the household member’s compliance with the requirements of section 1.2.5 of the guideline;
  • in the case of a child with severe or profound disability, the decision issued after a medical assessment;
  • the decision on appointment as a foster parent or legal guardian;
  • in the case of existence of additional real estate that does not qualify as a dwelling, a description in free form and photos of the real estate or a certificate from the local authority confirming that the real estate that does not qualify as a dwelling;
  • certificate from the creditor demonstrating the actual balance of the debt in the case that, according to the data of the payment default register of AS Krediidiinfo, the applicant who owns a dwelling has a debt of more than 1500 EUR and there is a discrepancy between the debt indicated in the payment default register and the actual debt, which may affect the applicant’s eligibility. The balance of debt needs to be certified only in the case that enforcement proceedings have not been initiated to recover the debt.

Read more about the submission of the application here.

2. Tax certificate(s) for the taxable income received by all adult household members (including any additional household members) of the applicant in 2018.
The tax certificate(s) have to be submitted even if no taxable income was received in 2018!
The tax certificate(s) must be provided with the digital or handwritten signature of a representative of the Tax and Customs Board.
Attention! Please do not submit a personal income tax return, which is not the document required for the application, instead of a tax certificate.

Read more about taxable income and tax certificates here.

Tax returns from foreign tax authorities – must be provided if adult household members worked abroad as non-residents in 2018. The returns have to be submitted together with the tax certificates from the Estonian Tax and Customs Board, even if no taxable income was received in 2018 in Estonia!

3. Budget of construction works (using the online form in the e-service environment or the special KredEx’ form) – must be provided if the grant is requested for construction-related activities. The applicant is required to complete the form for the budget of construction works on the basis of the price quotes previously obtained.
Price quotes – in the case of contracted works, two comparative price quotes from contractors (company, sole proprietor, private individual) must be submitted; when purchasing building materials, one price quote from a building materials store must be submitted.
Photos – 1-2 photos of each work/deficiency for which the grant is requested and which is indicated in the budget of construction works must be submitted.
When submitting the application and supporting documents via e-mail, the volume limit is 10 MB. We recommend copying the photos into one Word document and sending them in a single file.
Attention! Price quotes and photos are mandatory supporting documents for the budget of construction works!

Read more about construction-related activities and the required supporting documents here.

4. Description of the desired dwelling (using the online form in the e-service environment or the special KredEx’ form) – must be provided if the grant is applied for to acquire a dwelling.
In the case of a wish to purchase a dwelling, the applicant has to present to KredEx an initial vision of the dwelling that would meet the needs of the applicant’s household and that the applicant would like to buy for the grant. To this end, a model property should be selected from among property sales offers, based on which the applicant will prepare a description of the desired dwelling. The application may also be submitted for the acquisition of a specific property which, for example, the household is using under a lease. Photos of the desired dwelling are not required and need not be submitted.
Attention! When choosing the model property, applicants are advised not to enter into binding agreements with the seller of the dwelling (e.g. enter into a booking agreement and make a down payment), as the processing of applications takes quite a while and receiving the grant is not certain for all applicants.

Read more about the acquisition of a dwelling and the required documents here.

5. Supporting documentation to be provided where necessary:

in the case of co-ownership, notarised rules of use or a written agreement between the co-owners on the rules of use, together with the plan of the dwelling;
Failure to meet requirements:
  • If the applicant fails to meet one or more of the abovementioned conditions, the applicant must find a way of bringing themselves into conformity with the requirements prior to submission of the application.
  • If an application that fails to conform to the conditions is nevertheless submitted to KredEx and shortcomings are found during the processing of the application, the applicant shall be notified thereof by email. The applicant shall be given up to 10 business days to eliminate deficiencies starting from the date on which the deficiencies were notified.

Application process

Important: Applications for home support for families with many children are accepted in rounds, once a year. KredEx shall notify applicants on its website and in at least one newspaper with its website and in at least one newspaper with national circulation at least 10 calendar days prior to the start date of the application round.

1. Submit an application once the application round has been opened.

2. Processing of applications

1. Formal processing of applications

All applications received by the submission deadline are registered and processed for conformity to formal requirements, in the course of which the conformity of the project in the application and the applicant to the requirements set forth in the home support guidelines and the eligibility of project expenses are assessed.

In the course of the formal evaluation of applications, KredEx may request additional information and explanations from the applicant about the data submitted in the application or supplementation or amendment of the application, for which up to 10 business days shall be provided. If the applicant does not submit the additional information and/or additional documents within the term or cannot be reached at the contacts provided in the application the application shall be declared non-conformant and rejected.

The applicants shall be notified regarding the results of the formal processing of the applications by email.

Applications that meet the formal requirements (application conditions) shall be sent to substantive evaluation (if necessary, evaluations by local government, on-the-spot visits of inspection, evaluation committee).

2. Requesting an evaluation from local government

Regarding applications which are submitted by single parents and which are declared in conformity with the requirements, KredEx shall ask the local government of the residence of the applicant for an evaluation regarding the number of members in the applicant’s household (clause 4.1.7 of the guide).

3. On-the-spot visit of inspection

On-the-spot visits of inspection shall be carried out in regard to applications that have been declared in conformity with the requirements.

An on-the-spot visit of inspection is a home visit carried out for evaluating the condition of residential space and evaluating the need for allocation of support. The visit is conducted by a KredEx employee.

The KredEx representative shall take photographs of all rooms in the residential unit that is in the applicant’s ownership and/or the basis for the support, including of deficiencies in the housing, and shall prepare a report on the visit of inspection in which the condition of the housing and deficiencies in the housing are described. The information gathered during the on-the-spot visit of inspection is necessary for obtaining a score for the sub-criterion “e” (clause 4.2.5).

The applicant shall be notified by telephone of the on-the-spot visit of inspection five business days in advance.

If the applicant seeks the support for alteration or renovation of housing unfit for use as residential space, but owns, in addition to the housing to be supported, an apartment, house, or part of a house in which the applicant or applicant’s parent or tenant, etc. resides, the visit of inspection shall be conducted on both sites. If the applicant owns only housing that is unfit for use as a residential space, the on-the-spot visit of inspection shall be made to only the site which is seeking support.

On-the-spot visits of inspection shall not be conducted if:

  • the support is sought for purchasing housing and the applicant lacks a personal residential space.
  • KredEx has performed an on-the-spot visit of inspection of the site applying for support in the previous year and on the basis of the photographs submitted with the application for the present year, there is reason to believe that the applicant’s housing situation has not changed.
  • construction of new housing has not yet started; there is a vacant lot.

4. Evaluation of applications

The support managers shall submit data gathered during the on-the-spot visit of inspection to the evaluation committee formed by the director of KredEx for substantive evaluation of the applications pursuant to clause 4.2.2 of the guide.

The evaluation committee shall submit the applications ranked on the basis of the overall score to the KredEx director for approval, accompanied by a proposal on whether each application should be approved or denied.

5. Approval or denial of applications

In connection with the major interest shown by families with three or more children in the home support and the limited nature of funding, KredEx is unable to approve all applications it receives in a given round, even if they meet the conditions. The approval or denial of applications depends on the overall score given to applications in accordance with the evaluation system set out in clause 4.2.5 of the guide. The overall score shall be obtained by way of adding together the scores for each sub-criterion.

Applications that have undergone formal and substantive evaluation shall be ranked according to the overall score starting from the one with the highest overall score, and the funding will be distributed until the budgetary limit is reached.

The likelihood of receiving support is higher for applications with the highest overall score – in other words, families living in worse conditions – and lower for applications with a lower overall score. The overall application score and the approval of the application will be determined in the final phase of application processing on the basis of the rankings and cannot thus be predicted in advance.

6. Notification of applicants

The decisions on approval or denial of applications shall be sent to applicants within 10 business days of the making of the decision, as an electronic, digitally signed notice or in writing by post.


Terms for the processing of applications

1. Formal processing – term is 60 business days of the close of the application round:

· registration of the application, review of the application or return of the application without review;

· evaluation of conformity of the application and applicant to the requirements;

· asking for explanations and supplementary information, supplementary documents or changes to the application.

2. Substantive evaluation of applications, term is 135 business days staring from the end of the term for formal processing:

· requesting an evaluation from local governments as to the number of members in a household in the case of single-parent applicants;

· carrying out on-the-spot visits of inspection specified in clauses 4.1.8 and 4.1.9.

3. The decisions of the director of KredEx on approval or denial of applications, term of 30 business days starting from the submission of the evaluation committee’s recommendations.

The director of KredEx shall make decisions, at the proposal of the evaluation committee, to approve or deny applications.

The application processing period shall be a maximum of 225 business days from the date on which the application round ends to the making of decisions.

Together with the decision on the approval of the application, we also send out the disbursement conditions.

For the partial or full payment of the support, a disbursement application must be submitted along with required documents.

Interim and final reports must be submitted in a timely manner.

Contact us

Anu Holmberg
Client Manager
anu.holmberg [at] kredex.ee
Kersti Saar
Client Manager
kersti.saar [at] kredex.ee
Aire Oolup
Client Manager
aire.oolup [at] kredex.ee