The Husband's Debts — Can the Wife Lose the Apartment Because of This.

For many Ukrainians, an apartment is the most valuable asset. However, under certain circumstances, it can be taken away, even if it is the only residence and not registered in the name of the debtor.

The law of Ukraine 'On Enforcement Proceedings' states whether a residence registered in the name of the debtor's wife can be seized.

How They Try to Avoid Seizing Housing

To protect the apartment, debtors often transfer it to relatives — they gift it or 'sell' it to their wives or mothers. But such transactions can easily be challenged in court if it can be proven that they were made to avoid paying debts.

Usually, this concerns gift agreements. If the court deems them fraudulent, the agreement will be canceled, and the property can be confiscated.

For What Debts Can Housing Be Seized

If the utility or tax debt exceeds 160 thousand hryvnias (this is 20 minimum wages in 2025), the apartment can be sold through electronic auctions. Creditors, including banks, can also file a lawsuit.

If the court rules in their favor and the person's accounts have insufficient funds, the debtor's property will be seized and sold. However, if children or persons with disabilities are registered in the apartment, separate court decisions or permission from guardianship authorities are required to seize the housing.