Mortgage for the military in Ukraine: how to get a mortgage in 2026

Given the cost of real estate in Ukraine, a mortgage remains the only way for many people to purchase their own home. Thanks to a special government mortgage program, certain categories of Ukrainians can buy an apartment or a private home on preferential terms. This includes military personnel. Let’s take a closer look at what a military mortgage is, what requirements the borrower must meet, what terms the program offers, how to apply, and other important details. 

eOselya for the military: how this mortgage program works

"eOselya" is an affordable housing loan program initiated by the President of Ukraine. It is available to several eligible groups, including combatants, war veterans, people with war-related disabilities, and their family members. 

A mortgage with the most favorable terms is available at an annual interest rate of 3% (6%) and is open to military personnel:

• Contract soldiers of the Armed Forces; 

• Security Service of Ukraine;

• Foreign Intelligence Services of the Main Intelligence Directorate of the Ministry of Defense; 

• National Guard; 

• State Border Service;

• State Security Service;

• State Special Communications Service; 

• State Special Transport Service. 

The "Home at 3% (6%)" program is also available to military prosecutors of the Office of the Prosecutor General, employees of the State Emergency Service, employees of the Judicial Security Service, senior officers of the Special Operations Directorate of the National Anti-Corruption Bureau, detectives and senior detectives of the NAB, rank-and-file and senior officers of the Economic Security Bureau, police officers, and their family members.

As of January 11, 2026, the state-sponsored eOselya program was expanded to include all mobilized military personnel. Previously, only contract soldiers, law enforcement officers, medical professionals, teachers, and researchers were eligible for a preferential mortgage at a 3% interest rate, but this benefit has now been extended to mobilized personnel as well. In 2025, mobilized military personnel could only access eOselya under the general terms for the mass market—at a 7% interest rate.

The following individuals are eligible for a mortgage loan at an annual interest rate of 7% (10%):

• war veterans and their family members;

• combat veterans;

• persons with disabilities resulting from war;

• families of deceased war veterans, as defined in Article 10 of the Law of Ukraine “On the Status of War Veterans and Guarantees of Their Social Protection”;

• the families of the fallen (deceased) defenders of Ukraine. 

The "Home for Military Personnel" program allows eligible individuals to obtain a loan for the purchase of an apartment, property rights to housing, a single-family home, a townhouse, or a duplex. The essence of the program is that banks issue mortgages to military personnel based on specific selection criteria in accordance with a resolution of the Cabinet of Ministers of Ukraine, and the state compensates the banks for the reduced interest rate. 

Mortgage terms for military personnel under the eOselya program

The main terms of the "eOselya" mortgage program for military personnel are as follows:

• The term of the mortgage loan is up to 20 years;

• down payment — starting at 20% (10% for borrowers aged 18 to 25); 

• interest rate — 3% or 7% for the first 10 years, 6% or 10% starting from the 11th year, respectively. 

As of March 2026, you can apply for a mortgage loan at ten Ukrainian banks: PrivatBank, Oschadbank, Ukrgasbank, Bank Credit Dnipro, SkyBank, Sense Bank, Globus Bank, Tascombank, Bisbank JSC, and Radabank JSC. The list of partner banks for the program may expand in the future. 

Thanks to cooperation between banks and local administrations, military personnel who take out loans can count on significant interest rate subsidies. For example, PrivatBank has signed an agreement with the administrations of Lviv Oblast, Kryvyi Rih, and Odesa. These administrations cover part or all of the interest rate on loans for military personnel registered in the specified region or city. 

Oschadbank and Ukrgasbank have also signed agreements on partial compensation of interest on mortgage loans; these banks are collaborating with the administrations of Lviv, Odesa, Zakarpattia, and Chernivtsi regions. The banks offer preferential mortgage terms to various categories of military personnel and their families, depending on the specific terms of the agreement. 

Partner banks offer a choice of two loan repayment schedules: annuity and classic. The first involves repaying the debt in equal monthly installments. Under this schedule, the borrower first pays the interest on the loan and then repays the principal. The classic plan provides for the monthly payment amount to gradually decrease. The monthly payment includes the principal payment (which remains constant) and interest on the outstanding balance (which decreases each month). 

Requirements for military personnel when applying for a mortgage

Only those who meet certain requirements are eligible to apply for a mortgage as military personnel. Here are the eligibility requirements for the eOselya program:

• Ukrainian citizenship;

• age — over 18 years old as of the loan application date and up to 70 years old as of the repayment date; 

• solvency; 

• the applicant does not own any real estate, or the total floor area does not exceed 52.5 m² per person plus 21 m² for each additional family member (properties located in areas of active hostilities or in territories under temporary occupation, as well as destroyed or damaged housing, are not taken into account); 

• no real estate has been sold in the past 12 months, or the total area of any such sold real estate, combined with the area of the current residence, does not exceed 52.5 m² per person plus 21 m² for each additional family member; 

• The borrower is not included on any sanctions lists.

If a military member is discharged or changes jobs, the terms of the loan will change. If the borrower obtained a mortgage on preferential terms, changing jobs will result in the loss of eligibility for partial interest rate compensation; consequently, the borrower will continue to make payments at the program’s base interest rate of 7% (10% starting in the 11th year). 

Housing requirements: what types of property can a service member purchase under the eOselya program

Under the terms of the state mortgage program "eOselya," it is not possible to purchase any property on the real estate market. The property must meet certain requirements:

• Property type — apartment, property rights to an apartment in a multi-unit building, single-family home, duplex, townhouse; 

• Maximum allowable living space: for an apartment, no more than 52.5 m² for a family of 1–2 people, plus an additional 21 m² for each additional family member, but not exceeding 115.5 m²; for a house, no more than 62.5 m² for a family of 1–2 people, plus an additional 21 m² for each subsequent family member, but no more than 125.5 m²;

• location — within the territory of Ukraine, excluding temporarily occupied territories and areas where active hostilities are taking place; 

• the age of the property—a single-family home or an apartment in a building that is either under construction or no more than 20 years old in the Chernihiv, Sumy, Kharkiv, Zaporizhzhia, and Kherson regions; in other regions, the property must be no more than 3 years old; 

• Insurance is mandatory for residential properties that have been put into use. 

It is also important to note that residential properties designated as architectural landmarks cannot be used as collateral for a mortgage. When selecting a property to purchase through a preferential mortgage, it is important to consider its value, as not all housing units meet the program’s price criteria. The cost of an apartment or house must not exceed the average housing cost in the regions of Ukraine, as determined by the Ministry of Recovery, multiplied by the corresponding coefficients: 

• 2 — for Kyiv, Dnipro, Lviv, Odesa, Kharkiv, and regional centers; settlements located within 15 km of regional centers and Kyiv; and settlements with a population of over 300,000; 

• 1.75 — for settlements with a population of up to 300,000. 

If the cost per square meter of the apartment exceeds the threshold, the borrower may cover the difference using the down payment. The down payment may also be paid in full or in part using an e-Restoration certificate. 

How can a member of the military apply for a "eOselya" mortgage, and what documents are required?

Servicemembers do not need to gather any paper documents to apply. The main requirement is that the Diya app is installed on their phone and that all necessary documents are available within the app. The bank will provide a list of the original documents required for the loan application after the applicant’s application has been preliminarily approved in Diya. 

Here is a step-by-step guide on how military personnel can apply for a mortgage through eOselya:

1. Open the Diya app, go to the "Services" section, and select eOselya. 

2. Provide information about yourself and your family members, details about the real estate you own, information about your income, the cost of your future home, and its location. Submit your application. 

3. Receive offers from banks, which will be sent to the Diya app. Notifications with preliminary offers for affordable mortgage loans from banks will be sent within 24 hours. 

4. Choose the right offer from a bank, as terms and conditions may vary from bank to bank in terms of the down payment amount or the loan repayment schedule. 

5. Submit a set of documents for the borrower and their family members to the bank. Have the information and documents verified. 

6. Find a property that meets the requirements of the mortgage program. Provide the bank with the necessary documents regarding the mortgaged property. 

7. Sign a mortgage agreement with the bank and a purchase agreement for the selected property. 

When applying for a mortgage, you should be prepared to pay additional mandatory fees. These include the bank’s loan origination fee, the mandatory state pension insurance contribution, property insurance, and fees for the appraiser and notary. 

Contact the Mayak real estate agency to understand all the details and pitfalls of the "eOselya" mortgage program for military personnel and find a property in Kyiv or the Kyiv region that meets the program’s requirements.