On October 10, 2013, the State Mortgage Institution approved the requirements for mortgage loans. These Requirements for mortgage loans are designed to ensure the fulfillment of the statutory tasks of the State Mortgage Institution. The requirements determine the conditions to which the mortgage loan provided by the primary creditor must meet, in order for the Institution to acquire claim rights under such a loan (implementation of a refinancing operation).
You can familiarize yourself with these Requirements in detail here: https://zakon.rada.gov.ua/rada/show/v0002534-13#Text