The state company «Ukrfinzhytlo» will be able to allocate 65 billion UAH for preferential housing loans under the state program eOselya in the coming years. By early October 2025, the company had already used half of the 70 billion UAH provided to it through government bonds since the program started. The development strategy of «Ukrfinzhytlo» has been agreed upon with the International Monetary Fund, allowing for an additional capitalization of 30 billion UAH planned for 2025 and forming the necessary budget for further expansion of the program.
This is reported by Business • Media
Results of the eOselya Program Implementation
Since the launch of the program, 20,354 loans have been issued for a total of 34.2 billion UAH. As a result, Ukrainians have been able to purchase 1.2 million square meters of housing. The majority of transactions were made in the secondary market — 60% of the total, while 30% were with developers, and purchases of housing in the primary market accounted for 10%.
“Since the launch of the eOselya program, half of the total 70 billion UAH provided to ‘Ukrfinzhytlo’ through government bonds has been used. The company has agreed on a development strategy with the International Monetary Fund, allowing it to include an additional capitalization of 30 billion UAH in the 2025 budget, thus totaling 65 billion UAH for the eOselya program to repay loans over the next few years.”
Housing Needs of Ukrainians and the Scale of Destruction
As of early October 2025, the total housing need of Ukrainians is estimated at 600 million square meters. Of this amount, 450 million square meters represent the deficit that existed due to the aging housing stock even before the onset of the large-scale war, while 150 million square meters are attributed to losses from destroyed or damaged buildings as a result of the full-scale invasion.
More than 13% of the country’s housing stock has been destroyed or damaged, with total losses reaching nearly 59 million USD.