eOselia: Since the programme’s launch, Ukrainians have accessed affordable housing loans worth UAH 27.4 billion

In 2025, since the resumption of registry operations, 1,851 Ukrainian families have utilised the eOselia affordable mortgage programme, securing housing loans worth over UAH 3.4 billion. This was announced by Deputy Minister of Economy Andrii Teliupa.

“Since the inception of the eOselia programme, a total of 16,691 families have received loans amounting to over UAH 27.4 billion. The programme is focused on boosting the primary housing market to provide additional stimulus to the construction and related industries. Ukrainians can access mortgages for new homes on favourable terms,” noted Andrii Teliupa.

Currently, military personnel, law enforcement officers, doctors, teachers, scientists, and their families can obtain loans at a preferential rate of 3%. For combatants, veterans, internally displaced persons, and other citizens without housing, the mortgage rate is 7%.

Last week alone, 119 loans worth UAH 221 million were issued, including 3% rate loans for: 49 military personnel and law enforcement officers, 7 teachers, 1 doctor, and 1 scientist.

Loans at 7% were granted to: 49 Ukrainians without their own housing, 10 IDPs, and 2 veterans.

The highest number of loans were issued in Kyiv region (39) and the city of Kyiv (37). By property type, 74 Ukrainians received loans for newly built homes, including 29 for properties under construction, while 45 loans were for homes on the secondary market.

Background

The eOselia programme is a key component of the Made in Ukraine policy, aimed at stimulating demand for Ukrainian products while creating favourable conditions for production development. Launched in October 2022, it is implemented by the Ministry of Economy in collaboration with the Ministry of Digital Transformation and Ukrfinzhytlo PJSC. Partner banks include Oschadbank, PrivatBank, Ukrgasbank, Globus Bank, Sky Bank, Sense Bank, Bank Credit Dnipro, TASCOMBANK, BISBANK, and Radabank.