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Restructuring of foreign currency mortgage loan debt

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Publication date: 10.07.2025
Reading time: 5 minutes
Number of views: 13
Stage Term (days) Cost
  • 1
    Initial consultation and situation analysis
    3 UAH 1,710.00
    • Collection of primary information (loan agreement, payment schedule, correspondence with the bank);
    • Analysis of loan terms and conditions and existing violations by the bank or borrower;
    • Determination of legal grounds for restructuring or writing off part of the debt.
  • 2
    Development of legal strategy and preparation of documents
    5 UAH 3,990.00
    • Development of an individual case strategy (out-of-court settlement, restructuring, conversion of debt into hryvnia);
    • Drafting of an official letter to the bank (restructuring application, arguments based on the Law of Ukraine ‘On Consumer Lending’, court practice, exchange rate fluctuations, etc.);
    • Preparation of additional documents (income statements, financial insolvency statements, other supporting documents).
  • 3
    Negotiating with a bank or financial institution
    10 UAH 6,840.00
    • Representing the client's interests at the bank (verbal or written negotiations);
    • Agreeing on new terms of the agreement (payment schedule, penalty write-off, currency transfer);
    • Legal support for signing the amended agreement or supplementary agreement.
  • 4
    Court settlement of a dispute
    90 UAH 22,800.00
    • Preparation of a lawsuit (claim for recognition of changed conditions, reduction of obligations, conversion into hryvnia);
    • Representation of interests in courts of all instances;
    • Support of enforcement proceedings, if necessary.
In general
108 UAH 35,340.00

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Privat24

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Restructuring a foreign currency mortgage loan: legal assistance nearby

 

Many Ukrainians have encountered difficulties in repaying foreign currency mortgages due to exchange rate instability. If you find yourself in this situation, restructuring your foreign currency mortgage debt may be a solution that will allow you to keep your home and avoid legal disputes with the bank. On the Consultant legal marketplace, you will find trusted specialists who will help you negotiate with the bank, prepare documents, and accompany you throughout the entire process until the desired result is achieved.

 

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Restructuring a foreign currency mortgage allows you to reduce your financial burden and avoid losing your home.

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Legal support increases the chances of successful negotiations with the bank and favourable restructuring terms.

 

How currency mortgage restructuring works

 

Restructuring a foreign currency mortgage loan is the process of changing the terms of a loan agreement to make repayments easier. Our lawyers will help you:

  • initiate negotiations with the bank;
  • prepare a legally sound application for restructuring;
  • prove that it is impossible to fulfil the initial terms of the loan due to circumstances beyond your control (force majeure);
  • achieve the conversion of the debt into hryvnia with a fixed exchange rate.

Banks often agree to change the payment schedule, write off penalties or even part of the debt if the client acts through a professional representative.

 

Legal support for mortgage debt restructuring

 

Consulting a specialist significantly increases the chances of a successful resolution. The Consultant platform provides access to lawyers with experience in restructuring foreign currency mortgage debt. They:

  1. Analyse the loan agreement;
  2. Assess the legality of the bank's actions;
  3. Support communication with the financial institution;
  4. Prepare documents for out-of-court settlement or legal protection in case of refusal by the bank.

Our specialists also help in complex cases where enforcement proceedings have already been initiated or a court decision has been issued.

 

Why act now

 

It is important not to delay: the sooner you start the process of restructuring your foreign currency mortgage loan, the more chances you have of avoiding losing your home. Ukrainian legislation provides certain tools to protect debtors, but their effectiveness depends on how quickly you react.

 

Conclusion

Consultant is a legal marketplace where you can find trusted experts who will develop a customised strategy for your situation. Submit a request and a lawyer who is ready to act today will contact you.

 

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  • Is it possible to convert a mortgage loan from a foreign currency to hryvnia through a restructuring procedure?
  • Is it necessary to go to court to change the terms of a foreign currency loan?
  • Can a lawyer negotiate with the bank to write off part of the debt or penalties?
  • Can the bank refuse to restructure even in the event of difficult life circumstances?
  • Does Ukrainian law provide for a mechanism to protect borrowers with foreign currency mortgages?
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