Thanks to the state program of subsidized mortgages ‘eOselya’, over 24,000 Ukrainian families have already been able to purchase their own homes. The total investment in the housing sector within this program has exceeded 42.8 billion hryvnias.
This is reported by Business • Media
The ‘eOselya’ Program Stimulates New Construction
According to Minister of Economy Oleksii Sobolev, the program is actively adapting to modern market conditions and currently focuses primarily on the primary real estate market. This approach helps stimulate new construction in Ukraine. Simplified requirements have been introduced for frontline regions — housing can be up to 10 years old, which expands the program’s accessibility for residents of these areas.
The dynamics of the indicators indicate a growing popularity of new buildings within the ‘eOselya’ portfolio: if in 2024 their share was 33%, it increased to 63% in 2025, and to 65% in 2026. This transforms subsidized mortgages into the main sales channel for developers and an effective tool for capitalizing on primary housing.
International Financing and Digitization
Ukraine plans to expand the program by attracting international financial support. The government is currently developing new mechanisms in collaboration with foreign partners that will significantly increase the number of loans issued, particularly for veterans and internally displaced persons.
“For further development, more international financing and an increased role of digitization are needed,” emphasized Oleksii Sobolev.
At the same time, ‘Ukrfinzhytlo’, Mastercard, and Ukrgazbank have signed a memorandum for the joint development of a digital ecosystem for housing programs. This includes the creation of a unified digital platform that automates all stages — from application submission and contract signing to mortgage servicing. This will allow for the integration of interactions between banks, developers, state registries, and other market participants, providing users with a fully digital and seamless mortgage servicing cycle.