9,500 Ukrainian families have taken out loans for the purchase of housing under the eOselia (eHousing) programme for a total of almost UAH 15 billion. 30% of them were used to purchase first sale housing. Since the beginning of this year, 3,200 families have taken out mortgage loans under the programme for more than UAH 5 billion. This was announced by Deputy Minister of Economy Nadiia Bihun.

“Loans for the purchase of housing under the eOselia programme have already been taken out by 9,500 Ukrainians for a total amount of almost UAH 15 billion. Almost one in three took out a loan to buy a first sale apartment or a private house – ready from a developer or under construction. In the first four months of this year, banks issued mortgage loans worth over UAH 5 billion – 3,100 families will buy apartments and 105 will buy houses,” Nadiia Bihun noted.

Last week, Ukrainians received 280 loans worth UAH 484 million under the eOselia programme, including:

• 151 military and security personnel, 21 teachers, 20 doctors and 6 scientists received loans at 3%;
• 64 Ukrainians without their own housing, 13 IDPs and 5 veterans received loans at 7%.

Most often, loans were taken out to purchase housing on the secondary market (176 loans), while 104 Ukrainians took out loans to buy first sale housing.

Most mortgage loans were taken out by residents of:

• Kyiv region – 80;
• Kyiv city – 57;
• Lviv region – 18;
• Vinnytsia, Rivne and Khmelnytskyi regions – 11 each.

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 programme are Oschadbank, Privatbank, Ukrgasbank, Globus Bank, Sky Bank, Ukreximbank, Sense Bank and Credit Dnipro Bank.