Since the beginning of 2024, Ukrainians have taken out loans under the eOselia (eHousing) programme to purchase more than 1,800 apartments and 21 private houses. The total amount of mortgage loans issued is UAH 3 billion. Since the start of the programme, 8,160 families have already received loans worth UAH 12.5 billion. This was announced by Deputy Minister of Economy of Ukraine Nadiya Bihun.

“Since the beginning of this year, Ukrainians have taken out loans under the eOselia programme for UAH 3 billion. More than 1,800 Ukrainian families will buy apartments and 21 families will buy private houses. Almost 1,000 of these mortgages were taken out by servicemen and law enforcement officers, 174 by teachers and scientists, and 140 by doctors. I would like to remind that representatives of these professions can take out a loan under the programme at 3%. At the same time, mortgages are also available to other citizens who do not have their own housing or need to improve their living conditions – they can take out a loan at 7%. This year, more than 500 people have already taken advantage of this opportunity,” said Nadiia Bihun.

Last week, Ukrainians received 214 loans worth UAH 356 million under the eOselia programme, including:

• 122 service members and law enforcement officers, 18 teachers, 10 doctors and 7 scientists received loans at 3%;
• 48 Ukrainians without their own housing, 4 IDPs and 5 veterans received loans at 7%.

Most often, loans were taken to purchase housing on the secondary market (171 loans) and from a developer (37). In addition, 6 Ukrainians took out loans to buy an apartment in a building under construction.

Most mortgage loans were taken out by residents of:

• Kyiv region – 55;
• Kyiv city – 41;
• Odesa region – 16;
• Lviv region – 13;
• Rivne region – 10.

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 and Sense Bank.