In 2023, under the eOselia programme of affordable mortgage lending, there have been issued loans totalling UAH 8.85 billion. Thus, the programme's loan portfolio is only UAH 0.06 billion less than the amount of mortgages issued by Ukrainian banks in the pre-war year of 2021, which was a record-breaking success.
In total, the volume of loans issued since the launch of eOselia has already exceeded UAH 10 billion. As a result, almost 6,700 Ukrainian families have managed to buy their own homes in all regions of the country, except for the temporarily occupied territories or those where active hostilities are taking place. The capital and Kyiv region remain the leaders in terms of mortgage issuance. Rivne, Lviv, Vinnytsia and Volyn regions are also popular among citizens. Also, despite their proximity to the frontline, 59 Ukrainians took out loans to buy their homes in Kharkiv region and 13 in Zaporizhzhia region.
On 26 January, amendments to Cabinet of Ministers Resolution No. 856 will come into force, which provide for a significant expansion of the terms of the housing loan. In particular, private houses, duplexes and townhouses will become available for mortgage purchase. The choice of housing for veterans and combatants is also increasing. They will have access to a 7% interest rate in a house that is no more than 10 years old in Kyiv and regional centres, or without any restrictions on the term of commissioning in other settlements.
"These are fundamentally important changes that should give a new impetus to the demand for eOselia," commented Yuliia Svyrydenko, First Deputy Prime Minister of Ukraine and Minister of Economy of Ukraine.
According to her, the programme is also expected to be integrated with eVidnovlennia, when, after the amendments to the relevant law come into force, citizens will have the possibility to use a housing certificate as part of the down payment on a mortgage.
As a reminder, the Ministry of Economy launched the eOselia programme of affordable mortgage lending in October 2022. It already has 7 partner banks working with it. One can apply only through the Diia mobile application by selecting the eOselia service. The programme is being implemented by the Ministry of Economy of Ukraine together with the Ministry of Digital Transformation and the Ukrfinzhytlo.