eOselia: 4,000 Ukrainian families have taken out housing loans since the beginning of the year

Since the beginning of 2024, 4,000 Ukrainian families have taken out loans for the purchase of housing under the eOselia (eHousing) programme for a total of UAH 6.7 billion. Every third loan was for the purchase of a first-sale housing. In total, 10,277 families have taken out loans worth over UAH 16 billion since the start of the programme. This was announced by Deputy Minister of Economy of Ukraine Nadiia Bihun.

“Since the beginning of this year, 4,000 Ukrainians have already taken out loans for the purchase of housing under the eOselia programme for a total of UAH 6.7 billion. Most of them will buy apartments, and 161 families will buy private houses. I would like to remind everyone that the opportunity to buy a private house under the programme was launched at the beginning of this year. It is important that every third loan under the programme was issued for the purchase of so-called first-sale housing – either ready-made from a developer or under construction. In total, more than 10,000 families have already taken out mortgage loans worth UAH 16 billion since the start of the programme,” said Nadiia Bihun.

Last week, Ukrainians took out 291 loans worth UAH 510 million under the eOselia programme, including:

• 143 service members and law enforcement officers, 14 teachers, 20 doctors and 12 scientists received loans at 3%;
• 89 Ukrainians without their own housing, 9 IDPs and 4 veterans received loans at 7%.

Most often, loans were taken out to purchase housing on the secondary market (207 loans), while 84 Ukrainians took out loans to buy first-sale housing.

The majority of mortgage loans were taken out by residents of:

• Kyiv region – 92;
• Kyiv city – 57;
• Odesa region – 17;
• Vinnytsia region – 16;
• Lviv region – 15.

Today, the affordable lending programme is available to representatives of certain professions and citizens who do not own housing or want to improve its conditions. For contract service members of the Armed Forces of Ukraine, teachers, doctors and scientists, the preferential rate is 3% per annum. For other categories – combatants, veterans, IDPs and other citizens – the mortgage rate is 7%.

Background

The eOselia programme was launched in October 2022. The programme is implemented by the Ministry of Economy jointly with the Ministry of Digital Transformation and Ukrfinzhytlo. The partner banks of the eOselia are Oschadbank, Privatbank, Ukrgasbank, Globus Bank, Sky Bank, Ukreximbank, Sense Bank and Bank Credit Dnipro.