In 2025, 40% of loans issued through the eOselya program may go to the primary housing market: Which apartments are most popular?

The average cost of an apartment in the primary market purchased using a bank mortgage program is between ₴2.3M ($55,000) and ₴2.8M ($66,600), and the most common down payment amount is from 30% of the price.

“The greatest demand is recorded for one and two-room apartments with an area of ​​​​45 to 70 square meters,” reported financiers.

Borrowers prefer housing that is 50% or more complete, and more than 70% of all loan agreements are for comfort-class housing. Dmitrieva also noted that most mortgage transactions (from 80% to 85%) fall in Kyiv, Lviv, Ivano-Frankivsk, and Zakarpattia.

According to experts’ forecasts, under favorable economic and military conditions in 2025, about 40% of all mortgage loans issued under the eOselya program may be purchases in the primary housing market.

During 2024, the share of loans issued in new buildings under construction increased from 3% to 24%. The share of ready-made apartments on credit from developers also rose from 21% to 37%.