In the Ukrainian real estate market in 2025, there is a significant increase in the popularity of installment plans from developers, which now account for 65% to 90% of transactions for purchasing new constructions. This has become possible due to more flexible terms and a more accessible application process compared to the state mortgage program, eOselya.
This is reported by Business • Media
Reduction in the Share of State Mortgages and Statistics
The share of state mortgages in the structure of transactions remains relatively small — only 5-15%. In the first nine months of 2025, 5,406 loans were issued under the eOselya program, which constitutes 63.48% of the total number for the entire year of 2024. This indicates a decline in volumes by 20.78% compared to the same period last year. It is projected that by the end of 2025, the number of loans issued will reach 7,200-8,000, which is approximately 90% of the figures for 2024. To return to previous volumes, it is necessary to simplify the conditions or attract additional funding.
“Overall, during the program’s operation (October 2022 – October 2025), 20,773 loans have been issued for ₴35 billion. Despite the expansion of the eOselya program in 2025, it remains inaccessible to most citizens due to strict requirements and bureaucracy. Only 10-30% of applications are approved through the automated selection in ‘Diia’ and banks. More than 70-90% of rejections occur at the verification stages. Entrepreneurs and those informally employed have minimal chances, making the program accessible only to 10-15% of potential borrowers.”
Demand for Installment Plans and New Market Trends
Unlike the state program, installment plans from developers have become more attractive to buyers. The terms of such installments allow for quick transactions and enable the purchase of housing even for those who do not meet the criteria of eOselya. Currently, up to 80% of Ukrainians who cannot obtain a state mortgage have the opportunity to buy housing in installments.
In the first three quarters of 2025, about 10,000-15,000 installment transactions were concluded. Demand in the comfort class segment has particularly increased — by 30%. Thus, installment plans from developers are strengthening their position as the main alternative to state support in the primary real estate market of Ukraine.