Who Can Be Denied Housing by the GIK? Clarifications on the Most Important Questions

Сергей Гармаш • 19.01.2026, 12:55 • Society

In early January, 1,080 families received keys to their apartments as part of the state mortgage lending program in new buildings on Malikov Street, 91, where Colony No. 47 was previously located. It is expected that by the end of the current year, about 2,700 more families will be able to receive their apartments. Citizens on the housing waiting list from the State Housing Corporation (GIK) contacted the Call Center of Kaktus.media with questions about the reasons for potential denial of housing. The editorial team reached out to the organization's press service for clarification.

- What reasons may lead to a denial of housing from GIK?

- Possible reasons for denial include:

if at the time their turn comes, the citizen has already purchased housing;
if in the last three years the citizen, their spouse, or children under 18 have engaged in real estate transactions or received housing as a gift;
if at the time their turn comes, the citizen does not have official employment;
if the citizen has moved to another country for permanent residence.

- Can a denial be issued if the citizen is abroad for various reasons (study, work, or vacation)?

- If the citizen is outside the country for study, vacation, or business trip, a denial will not be issued. However, documents (such as a certificate from the educational institution or a travel order) confirming the temporary nature of their stay abroad must be provided.

- Does being married to someone who owns housing affect the ability to receive housing?

- If at the time their turn comes, the citizen is officially married and their spouse already owns housing, then in this case, a denial will be issued.

- If the citizen was employed at one place when applying and then changed jobs, could this affect the decision?

- If the citizen registered in the queue as a government employee and then resigned, their right to receive housing will be reviewed. The main condition is that at the time their turn comes, they must be officially employed. If they are working unofficially or cannot confirm their income, they will be denied.

- Can a low salary be a reason for denial?

- Each case is considered individually. For example, if the citizen's salary is lower than the monthly rent for the apartment, additional information about the family's income may be requested, including the spouse's salary or other sources of income. The goal of GIK is to assess the citizen's ability to pay for housing and provide assistance, rather than simply denying.

- If a citizen has loans but is repaying them diligently, will this not be a reason for denial?

- If the citizen is diligently repaying the loan and has a positive credit history, they will be provided with housing. However, in the case of delays, they must be resolved; otherwise, the likelihood of denial increases. If the credit history is damaged and debts have gone to court, a denial will also be issued in that case.

- How does the role of a guarantor for someone else's loan affect housing eligibility?

- If the citizen is a guarantor, the primary borrower must make timely payments on the loan. If the primary borrower has delays, the guarantor may receive a denial of housing from GIK. To avoid denial, the primary borrower must urgently settle their debts and ensure timely payments in the future.

Read also: