"eOselya" preferential mortgage lending program in 2026

On October 1, 2022, the government launched the eOselya program, which finally gave Ukrainians the opportunity to purchase housing on favorable terms. Subsidized loans for the purchase of residential real estate are available to many segments of the population. Let’s take a closer look at what eOselya is, the terms of the government program in 2026, who is eligible to participate, and other important information.

What is eOselya?

"eOselya" is an affordable housing loan program initiated by the President of Ukraine. Its main advantage is the opportunity to purchase an apartment with a mortgage at 3% or 7%, depending on the buyer's category. After 10 years, the rate increases to 6% and 10%, respectively. At the same time, banks offer mortgage rates of 15–25%. Additionally, under the program’s terms, you can make a down payment of just 10–20%. If you take out a mortgage outside of eOselya, you’ll have to pay the bank at least 30% of the home’s value upfront.

The "eOselya" affordable housing loan program provides that Ukrainians will take out mortgages from banks, and the government will compensate the banks for the reduced interest rate. In effect, this program provides funding to banks that issue loans to eligible groups and others.

What are the terms and conditions of eOselya?

The terms of the "eOselya" government housing loan program are quite favorable, which is why it has already attracted thousands of people interested in applying for an affordable loan.

Key terms and conditions for loans through eOselya:

• The interest rate for the loan term is 3% for eligible groups and 7% for all others for the first 10 years, and 6% for eligible groups and 10% for all others starting from the 11th year;

• maximum loan term — 20 years;

• minimum down payment — 20% of the property's value (10% for borrowers under 25);

• A mortgage can only be obtained from a bank participating in the program;

• The rate is set in the national currency (hryvnia).

The terms and conditions governing mortgage lending were approved by Cabinet of Ministers Resolution No. 856 of August 2, 2022. The terms of the "eOselya" program are guaranteed by the state and will not change under any circumstances for agreements already concluded. At the same time, the program is periodically reviewed and amended, so it is important for new applicants to ensure they are aware of the current terms at the time of signing the agreement.

Who is eligible to participate in the eOselya program?

Not everyone is eligible to participate in the affordable loan program, as there are specific requirements for applicants. Here are the main requirements:

• citizens of Ukraine;

• at least 18 years of age at the time the loan is taken out;

• not older than 70 years of age on the maturity date;

• solvent;

• the applicant does not own any housing, or the housing they own is less than 52.5 m² plus 21 m² for each additional family member (spouse, minor child or children living with the applicant), or the housing is located in a combat zone or in a temporarily occupied territory;

• not be included on any sanctions lists;

• not to participate in other existing government housing programs.

Eligible groups may participate in the "Home" program, under which mortgages will be issued at a 3% interest rate (rising to 6% after 10 years). The reduced rate applies:

• for contract service members—defenders of Ukraine, law enforcement officers, and their family members;

• for military personnel mobilized during martial law;

• for healthcare workers—specialists and professionals at state- and municipally-owned healthcare facilities;

• for teaching staff at state- and municipally-owned educational institutions;

• for academic and academic-teaching staff at state- and municipally-owned educational and research institutions.

The applicant’s eligibility for the preferential category must be confirmed by a certificate from their primary employer stating their job title. If the homebuyer leaves their job after some time and no longer holds a position included in the list of professions eligible for preferential lending, the mortgage terms will change. They will continue to repay the loan at the standard interest rate of 7% (10%) per annum.

Effective August 1, 2023, the government has expanded the "eOselya" preferential mortgage lending program. Now, even more Ukrainians can take advantage of favorable terms for purchasing a home. For them, the interest rate has been set at 7% (10%).

The 7% rate (10% after 10 years) applies to the following categories:

• for war veterans and their family members;

• for combat veterans;

• for persons with disabilities resulting from war;

• for the families of fallen (deceased) war veterans and defenders of Ukraine;

• for other Ukrainian citizens who do not own a home, or whose home is smaller than 52.5 m² plus 21 m² for each additional family member (spouse, minor child or children living with the applicant), or whose home is located in a combat zone or in a temporarily occupied territory.

If you're unsure whether you qualify for one of the categories under the "eOselya" mortgage program, you can simply try submitting an application through "Diya."

What are the housing requirements?

Certain requirements also apply to housing that can be purchased with a preferential mortgage at 3% (6%) or 7% (10%). This may include an apartment in a multi-unit residential building (excluding state-owned and municipally-owned properties), as well as a townhouse, cottage, or other private home. It is also permitted to purchase property rights to an apartment in a new building that is still under construction.

Residential real estate must be located within Ukraine, with the exception of temporarily occupied territories and areas of active hostilities. You can purchase a home in Kyiv and the Kyiv region, as well as in Lviv, Odesa, Kharkiv, and smaller towns and villages.

The living space must not exceed the permitted limits:

• 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 no more than 115.5 m²;

• For a home—no more than 62.5 m² for a family of 1–2 people, plus an additional 21 m² for each additional family member, but no more than 125.5 m². 

The standard floor area may be exceeded by no more than 10% if the property is less than 3 years old. For properties older than 3 years, exceeding the standard area is not permitted. If the applicant wishes to purchase a larger property, the bank can only issue a mortgage for the square footage specified in the resolution, so the remaining amount will have to be covered by the applicant along with the down payment.

Another important requirement for the property is that apartments in regional centers must be located in newly completed buildings or in buildings currently under construction. You may also choose a property that was completed no more than 10 years ago. If the mortgage is issued at 7% (10%), the property must be either under construction or have been commissioned no more than 3 years ago. The state mortgage lending program applies to both the primary and secondary markets.

Who has already used the eOselya program?

Despite the difficult economic situation, the government mortgage program "eOselya" continues to be in high demand among Ukrainians. The number of loans issued and the funding volumes allocated indicate that the program is effective and remains in demand.

For the current year, the government has allocated 17.1 billion hryvnias for the program. By comparison, funding in 2025 amounted to 20 billion hryvnias, and in 2024, loans totaling over 14.6 billion hryvnias were issued under the eOselya program, which is 65% more than in 2023.

According to Ukrfinzhytlo, 7,769 families took advantage of the program in 2025. In 2024, the figure was higher—8,515 families, which is 45% more than the previous year. These trends demonstrate steady interest in subsidized mortgages.

According to data from 2025, the program attracted participants from various social groups. The largest share of borrowers consisted of:

• military personnel and law enforcement officers — 37%;

• Ukrainians without their own housing — 36%;

• internally displaced persons — 12%;

• healthcare workers — 5%;

• teachers — 5%;

• veterans — 3%;

• researchers — 2%.

Compact apartments are in the highest demand. Most of the purchased properties are up to 73 m² in size: 39% are units of up to 50 m², and another 39% are between 50 and 73 m². In total, the program has already funded over 1 million m² of housing, amounting to more than 30 billion hryvnias.

In terms of property type, the secondary market remains dominant, accounting for 11,466 loans. At the same time, interest in new construction is growing: 6,632 loans were issued for housing in new buildings, of which 1,449 were for apartments under construction. Following the update of the program’s terms in 2025, the share of new housing rose to 60%, indicating a shift in demand toward the primary market.

How much can an apartment cost with an eOselya mortgage?

The cost of residential real estate eligible for purchase under the eOselya program must not exceed the average cost of housing construction in each region of Ukraine, as determined by the Ministry of Regional Development, multiplied by the following coefficients:

• × 2.5 — Kyiv, Dnipro, Lviv, Odesa, Kharkiv;

• × 2.0 — regional centers, settlements located within 15 km of regional centers, and cities with a population of over 300,000;

• × 1.75 — cities with a population of 100,000 to 300,000 people;

• × 1.0 — for other settlements.

If the applicant finds a suitable home but its price exceeds the allowed limit, they may purchase it through a preferential mortgage program. However, in this case, the buyer will have to cover the difference with a down payment.

Which banks participate in the eOselya program?

As of March 2026, ten Ukrainian banks are participating in the "eOselya" preferential mortgage program. These are Oschadbank, PrivatBank, Globus Commercial Bank, JSC "Ukrgasbank," JSC "SKY BANK," JSC "SENS BANK," "Bank Credit Dnipro," "Tascombank," JSC BISBANK, and JSC "AB "RADABANK." The list may expand over time.

Banks participating in the program may offer different terms that do not conflict with the terms of the Oselya program, such as a higher or lower mortgage amount, and so on. At the same time, a prospective borrower can choose the most favorable offer from among those available. It is best to submit an application to all banks at once so that you can compare the terms offered.

Under the "eOselya" program, banks can offer two mortgage repayment schedules to choose from:

• annuity — the debt is repaid in equal monthly installments, with the borrower first paying the interest on the loan and only then the principal;

• Classic — in this case, the monthly payment amount gradually decreases; it consists of a fixed principal payment and interest on the outstanding balance, which decreases over time.

When purchasing an apartment through the "eOselya" mortgage program, the borrower will be required to pay the following mandatory additional fees:

• One-time loan origination fee — at least 0.5% of the loan amount (depending on the bank);

• a one-time fee for mandatory state pension insurance—1% of the property’s value;

• Annual home insurance — depends on the value of the apartment and other factors;

• Notary services — starting at 10,000 UAH;

• Real estate appraisal — starting at 1,500 UAH;

• The fee for opening a checking account is usually waived or amounts to approximately 100–150 UAH;

• Administrative fee for transferring ownership in the State Register of Property Rights to Real Estate — 330 UAH.

How do I apply for eOselya?

Thanks to the Diya app, the process of applying for and obtaining a mortgage to purchase an apartment on preferential terms has been significantly simplified. All you need at the initial stage is a smartphone with internet access.

Step-by-step instructions on how to participate in the eOselya program:

• Submit an application in the Diya app. Install or update the app, log in, go to the "Services" section, then select "eOselya." Choose your eligibility category and indicate your marital status (your spouse must confirm the application and details via their Diya app). Fill in the basic information and details about the property you are considering purchasing (price, location, down payment amount). Select the bank you would like to work with, or all available banks. Once the application is generated, sign it using Diya.Sign.

• Get offers from banks and choose the one that suits you best. Responses from the selected banks may appear in Diya within a few minutes. The maximum waiting time is 24 hours. A bank’s offer is valid for 30 calendar days. You can submit a new application at any time by canceling your previous ones.

• Submit the documents to the selected bank. After your application has been preliminarily approved in Diya, you must visit the bank in person and submit the borrower’s documents and those of their family members for verification and a final decision. At this stage, you may need to provide children’s birth certificates, documents proving ownership of real estate (if applicable), and proof of income for the last 3 months. The selected bank will provide a complete list of required documents.

• Select the property you plan to purchase with a mortgage. The borrower looks for an apartment that meets the program’s requirements, arranges for an appraisal, and prepares the necessary documents for the purchase. After that, you’ll need to visit the bank again.

• Sign a loan agreement with the bank and a real estate purchase agreement. The property is registered in the borrower's name. The bank transfers the loan funds to the developer's account or to the private seller of the apartment.

If you’re planning to buy an apartment in Kyiv or the Kyiv region through the eOselya program, the specialists at the Mayak real estate agency will help you find a suitable property, verify the seller’s documents, and guide you through every step of the transaction. The Mayak real estate agency team includes not only real estate agents but also lawyers and a notary. Contact our professionals to quickly and easily become the owner of a new apartment on favorable terms.