During the first week of 2024, almost 100 Ukrainian families took out loans to purchase housing under the eOselia (eHousing) programme. Since the start of the programme, 6,411 families have received loans totalling almost UAH 10 billion. More than 1,000 of them took out loans on the terms of a mass mortgage. This was reported by Deputy Minister of Economy of Ukraine Nadiya Bihun.

“Since the launch of the eOselia programme, 6,411 Ukrainian families have already taken out loans for the purchase of housing worth almost UAH 10 billion. At the same time, more than 1,000 families received loans on the terms of a mass mortgage, which has been available to all Ukrainians who do not own their own housing or need to improve their living conditions since August last year. Such loans are provided at 7% interest rate. In total, banks have already disbursed almost UAH 2 billion in loans to Ukrainians under the mass mortgage programme. During the first week of the new year, almost 100 loans were issued under the eOselia programme,” Nadiya Bihun noted.

Last week, Ukrainians received 88 loans worth UAH 134 million under the eOselia programme, including:

• 55 service members and law enforcement officers, 8 teachers, 9 doctors and 1 scientist received loans at 3%;
• 15 Ukrainians without their own housing received loans at 7%.

Most often, loans were taken out to purchase housing on the secondary market (66 loans) and from a developer (21). Also, 1 Ukrainian took out a loan to buy an apartment under construction.

Most mortgage loans were taken out by residents of:

• Kyiv region – 26
• Kyiv city – 9;
• Odesa and Sumy regions – 6 each;
• Khmelnytskyi, Rivne and Vinnytsia regions – 5 each.

Today, the affordable loan 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 are Oschadbank, Privatbank, Ukrgasbank, Globus Bank, Sky Bank, Ukreximbank and Sense Bank.