In 2026, funding for the popular state mortgage program ‘eOselya’ will significantly increase to 25 billion hryvnias. This amount is planned to be raised through increased expenditures from the state budget and the attraction of additional non-fiscal sources, including microfinance organizations.
This is reported by Business • Media
Funding Structure and Development Plans
According to the updated strategic development plan of the company ‘Ukrfinzhytlo’ for 2025–2029, 25 billion hryvnias will be allocated for mortgage lending to citizens in 2026. Of this amount, 15 billion hryvnias will be allocated from the state budget, while another 10 billion hryvnias will come from non-fiscal sources, including 8.5 billion hryvnias from microfinance organizations.
“The updated Strategic Development Plan of ‘Ukrfinzhytlo’ for 2025-2029 provides that the funding volumes for mortgage lending to citizens in 2026 will amount to ₴25 billion,” the company explained.
Data regarding future funding is also confirmed by industry experts, emphasizing the systematic development of the program and the expansion of access to mortgages for Ukrainians.
Results and Prospects of the ‘eOselya’ Program
Throughout the entire duration of the ‘eOselya’ program, 18,694 Ukrainians have already benefited from preferential mortgage loans. The total amount of loans issued has exceeded 31.1 billion hryvnias. Just last year, 8,515 loans were issued for 14.6 billion hryvnias. In 2025, 3,831 loans have already been issued for a total of 7 billion hryvnias. According to the annual plan, it is expected that by the end of the year, the number of loans issued will reach 10,000, with a total funding volume of 18 billion hryvnias.
Experts emphasize that the ‘eOselya’ program remains the main driver of lending in the primary housing market, stimulating the development of the construction industry and providing citizens with access to their own housing.
At the same time, the Verkhovna Rada has highlighted that there is an imbalance in the distribution of mortgage loans among regions. Specifically, in the first seven months of this year, nearly 2,200 loans (57% of the total number of contracts) were issued in Kyiv and the Kyiv region. Overall, since the program’s inception, these regions account for nearly half of all issued mortgages — 49.3%. In this regard, lawmakers propose to improve the program’s mechanisms to ensure mortgage accessibility for residents of frontline areas.