How do Ukrainians buy housing on the primary market?

More than 65% of all housing sales on the primary market are carried out with the help of installment programs, about 30% are sold for the full price, and 5% with the help of mortgages – the state program eOselya and joint mortgage programs between banks and developers. Before the start of the full-scale invasion, these statistics were as such: installment programs – up to 35-40% of sales, at full cost – more than 50% of sales, and the share of mortgages was 10-15%. The increase in the share of home purchases under payment programs is associated with economic uncertainty and inflation because, by the end of 2024, the cost of housing may increase by 30%. As a result, in August, the most common lending scenario is a three-year installment program with a down payment of 10% to 30% and a fixed price. Most often, one- and two-room apartments with an area of ​​40-60 square meters and smart flats (up to 30 square meters) are bought with the help of such programs. At the same time, the tendency to invest money in the early stages of construction is returning, when the price is 35% lower than when construction has been completed.