The Cabinet of Ministers plans to increase the issuance of mortgage loans to eOselia by 23.3%

Restoration of the housing stock is one of the main tasks of the government of Ukraine both for the current and future years. The “eOsel” mortgage lending program plays a key role in achieving this goal. In 2025, the volume of lending within the program is planned to increase by 23.3% compared to the previous year. About this reported First Deputy Prime Minister — Minister of Economy Yulia Svyridenko.

“Even before the invasion, the share of mortgage lending in Ukraine was unusually low – less than 1% (on the diagram – 0.67% of GDP – IF-U). Our strategic goal, a realistic goal, is to reach the level of at least 10% in the coming years.” – the message says.

Svyridenko reminded that, according to the results of a joint study by the World Bank and the government initiative RDNA3, 13% of the housing stock in Ukraine has been destroyed or damaged, and about 2.5 million households need new housing.

She also noted that in addition to mortgage lending, the government plans to develop a lease with the right of redemption for those who cannot make the initial payment, as well as a system of social housing — long-term leases on preferential terms for certain categories of citizens.

As of today, 16,125 families have purchased housing for a total of 26.4 billion hryvnias as part of the YeOsel program. Loans are provided by 10 banks, the most in Kyiv (3,238) and Kyiv region (4,404), followed by Lviv (959), Odesa (763), Ivano-Frankivsk (686), and Dnipropetrovsk regions (516).

“98% of mortgage loans in 2024 were issued under the YeOsel program. This is the most successful mortgage program in history.” – stressed the First Deputy Prime Minister.

She also indicated the dynamics of the volume of loans issued: in 2022 – 0.6 billion hryvnias, in 2023 – 8.8 billion, in 2024 – 14.6 billion hryvnias. In 2025, they plan to reach 18 billion.

To expand access to the program, the government reduced the minimum initial contribution for young people from 20% to 10%, allowed the use of the “eRecovery” certificate, as well as the purchase of private houses and townhouses. One of the important innovations is the restriction on the purchase of only housing that is no more than three years old, which significantly increased the share of apartment purchases on the primary market.

Currently, 98 accredited developers — partners of banks — and 226 buildings with available apartments participate in the program. In total, more than 5,200 apartments worth more than 8.8 billion hryvnias were purchased in the primary market as part of the YeOsel program. After changes were made to the program on November 4 last year, the share of primary housing in the structure of purchases increased to 55.7%.