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eOselya

Monday, May 5
Ukraine’s construction industry is recovering despite the war.

Ukraine’s construction industry is recovering despite the war. According to Trading Economics, in 2025 Ukraine’s construction sector shows signs of recovery and growth, despite the challenges posed by the consequences of hostilities and economic instability...

  • #ConstructionUkraine
  • #eOselya
  • #IvanoFrankivsk
  • #kyiv
  • #UkraineRestoration
  • #Zakarpattia
Wednesday, April 30
What is happening in the Ukrainian real estate market in 2025, and what prospects will emerge after the war?

What is happening in the Ukrainian real estate market in 2025, and what prospects will emerge after the war? The Ukrainian real estate market is currently showing signs of stabilization and gradual recovery. In the primary market, prices continue to rise, driven not only by demand but also by an increase in ...

  • #eOselya
  • #PrimaryHousing
  • #RealEstateUkraine
  • #SecondaryMarket
Tuesday, April 29
After altering the terms of the preferential mortgage program to favor developers, loan issuance fell by 33%.

After altering the terms of the preferential mortgage program to favor developers, loan issuance fell by 33%. In February 2025, Ukrainian banks issued 516 mortgage loans totaling ₴926M, which is 7% higher than the mortgage lending volume in January. However, this amount is a third less than in February of las...

  • #eOselya
  • #MortgageProgram
  • #MortgagesUkraine
  • #nbu
  • #PrimaryHousing
  • #RealEstateUkraine
Tuesday, March 25
Mortgage lending in Ukraine increased by 29% at the start of the year, while the average rate decreased to 8.3% per annum.

Mortgage lending in Ukraine increased by 29% at the start of the year, while the average rate decreased to 8.3% per annum. According to the NBU, in January of this year Ukrainian banks issued 475 mortgage loans totaling ₴867M ($21M), a 29% increase compared to December 2024. In January, most loans were issued in the secon...

  • #AffordableMortgages
  • #eOselya
  • #IvanoFrankivsk
  • #KyivRegion
  • #LvivRegion
  • #MortgagesUkraine
Friday, February 21
Lending to small and medium-sized businesses is on the rise in Ukraine.

Lending to small and medium-sized businesses is on the rise in Ukraine. The proportion of hryvnia loans for small and medium-sized enterprises is increasing rapidly, with a 22.1% surge in volume over the past year, said Andriy Pyshny, NBU Chairman. “Throughout the y...

  • #AndriiPyshnyi
  • #ConsumerLending
  • #eOselya
  • #Lending
  • #LoansforBusiness
  • #MortgagesUkraine
  • #NPL
Thursday, February 13
Ukrainians have shifted their investment preferences from housing to land.

Ukrainians have shifted their investment preferences from housing to land. In 2024, notaries certified 452,217 real estate purchase and sale agreements, 12% more than the previous year but 28% less than before the full-scale Russian invasion. Analysts noted that 60% of all a...

  • #eOselya
  • #investments
  • #LandPlots
  • #LandSales
  • #LandUkraine
  • #MortgageProgram
  • #MortgagesUkraine
Tuesday, February 4
What is driving Ukraine’s housing market?

What is driving Ukraine’s housing market? The Confederation of Builders of Ukraine reported that thanks to eOselya, the state preferential mortgage program, housing sales in the country have increased. According to developers, during the last...

  • #BuildingMaterials
  • #eOselya
  • #HousingConstruction
  • #RealEstateUkraine
  • #UkraineDevelopers
Thursday, January 30
The government will create mechanisms to stimulate housing construction in Ukraine.

The government will create mechanisms to stimulate housing construction in Ukraine. Prime Minister Denys Shmyhal has tasked relevant state structures with developing effective methods to promote housing construction in light of the destruction and damage to 10% of Ukraine’s hou...

  • #BusinessRelocation
  • #DenysShmyhal
  • #eOselya
  • #HousingConstruction
  • #Lamella
  • #RealEstateUkraine
Thursday, January 16
Experts provide a forecast for the Ukrainian mortgage market in 2025.

Experts provide a forecast for the Ukrainian mortgage market in 2025. Ukrainian banks predict that, with favorable economic and military conditions in 2025, about 40% of all mortgage loans issued under the eOselya program may be used in the primary housing market. The p...

  • #eOselya
  • #MortgageProgram
  • #MortgagesUkraine
  • #PrimaryHousing
  • #UkrainianBanks
Monday, January 13
Construction in Ukraine grew by 23.8% in the first three quarters of 2024.

Construction in Ukraine grew by 23.8% in the first three quarters of 2024. Last year, every fifth Ukrainian developer joined eOselya, the state’s affordable housing lending program, and sold real estate under the program that was in the construction stage. In the first...

  • #ConstructionUkraine
  • #eOselya
  • #HousingMarketUkraine
  • #PrimaryHousing
  • #UkraineDevelopers
Friday, January 10
In 2025, 40% of loans issued through the eOselya program may go to the primary housing market: Which apartments are most popular?

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 th...

  • #eOselya
  • #MortgageProgram
  • #MortgagesUkraine
  • #PrimaryHousing
Wednesday, January 8
Lending under the eOselya preferential mortgage program increased by 65% ​​in 2024.

Lending under the eOselya preferential mortgage program increased by 65% ​​in 2024. In 2024, more than 8,500 families took advantage of the preferential mortgage program eOselya, and the total volume of issued loans reached ₴14.6B, 45% more in number and 65% more in amount compared t...

  • #AffordableMortgages
  • #eOselya
  • #kyiv
  • #MortgagesUkraine
  • #Odesa
  • #Львів
Monday, December 9
The World Bank will continue to finance Ukraine’s reconstruction in 2025.

The World Bank will continue to finance Ukraine’s reconstruction in 2025. Ukraine and the World Bank plan to continue their cooperation in 2025 and to further fund the RISE entrepreneurship support program, housing sector instruments, and mortgage programs, support Ukraine ...

  • #eOselya
  • #I_CAN
  • #RISE
  • #UkraineReconstruction
  • #Ukrfinzhytlo
  • #worldbank
  • #YuliyaSvyridenko
Friday, November 15
Lending to businesses and households in Ukraine has been growing for a year and a half; rates have been reduced for both loans and deposits.

Lending to businesses and households in Ukraine has been growing for a year and a half; rates have been reduced for both loans and deposits. According to the NBU, in the third quarter of 2024 loan portfolio volume increased by 22.4%. Hryvnia business loans grew by 6.9%, and individual loans increased by 9.7%. Loans in wholesale trade and t...

  • #BankDeposits
  • #eOselya
  • #financeUkraine
  • #LendingProgram
  • #nbu
Wednesday, October 2
Housing purchases through mortgages can comprise 45% of Ukraine’s primary market.

Housing purchases through mortgages can comprise 45% of Ukraine’s primary market. Given stable financing for the state’s preferential lending program, eOselya, the share of mortgage sales on the primary market will increase to 40-45%, experts from the DIM group of companies p...

  • #eOselya
  • #eVidnovlennya
  • #MortgagesUkraine
  • #PrimaryHousing
Thursday, September 26
Ukrainians are taking out mortgages more actively: Banks are issuing ₴1.2B monthly in loans.

Ukrainians are taking out mortgages more actively: Banks are issuing ₴1.2B monthly in loans. Ukrainian banks issued 694 mortgage loans for a total amount of ₴1.2B in July, which is ₴200M ($5M) more than in June, the National Bank reports. The volume of consumer mortgage loans issued in July 2...

  • #AffordableLoans
  • #eOselya
  • #kyiv
  • #MortgageProgram
  • #MortgagesUkraine
  • #Львів
Tuesday, September 17
The share of housing purchased through the subsidized mortgage program will double by the end of the year.

The share of housing purchased through the subsidized mortgage program will double by the end of the year. According to forecasts, penetration of the primary market by the popular preferential mortgage program eOselya will increase significantly in 2024. According to bankers, the share of housing on the pr...

  • #AffordableMortgages
  • #eOselya
  • #MortgagesUkraine
  • #PrimaryHousing
Wednesday, August 7
The ratio of mortgage loans to GDP in Ukraine is at most 1%: What is happening in this market?

The ratio of mortgage loans to GDP in Ukraine is at most 1%: What is happening in this market? The National Bank reported that the ratio of mortgage loans to GDP in Ukraine is 1%, the lowest indicator in Europe. Obstacles to mortgage growth are the uncertain prospects in the real estate market ...

  • #AffordableLoans
  • #AffordableMortgages
  • #eOselya
  • #MortgagesUkraine
  • #nbu
Tuesday, June 25
What is happening in Ukraine’s primary housing market, and what risks are putting pressure on the state mortgage program?

What is happening in Ukraine’s primary housing market, and what risks are putting pressure on the state mortgage program? In the primary housing market, a developer’s financial ability to complete construction on time and wartime circumstances are associated with high risk. And these credit risks fall entirely on t...

  • #eOselya
  • #GlobusBank
  • #HousingConstruction
  • #HousingsalesUkraine
  • #MortgagesUkraine
Friday, June 14
The DFC will help Ukraine to develop an affordable housing market.

The DFC will help Ukraine to develop an affordable housing market. The Ministry of Economy, the American International Development Finance Corporation (DFC), and Citibank signed a memorandum on the development of the mortgage lending market in Ukraine. The Minister o...

  • #AffordableMorgagesUkraine
  • #DenysShmyhal
  • #DFC
  • #eOselya
  • #MortgagesUkraine
  • #URC2024
  • #YuliyaSvyridenko
Tuesday, May 21
Bank lending to businesses continues to grow in Ukraine.

Bank lending to businesses continues to grow in Ukraine. Banks have been increasing corporate lending for three quarters in a row, according to the Review of the Banking Sector for the first quarter. It is noted that the demand for business loans outside th...

  • #AffordableLoansUkraine
  • #eOselya
  • #LendingInUkraine
  • #LoanPortfolio
  • #MortgageProgram
  • #nbu
  • #NPL
Thursday, May 2
Experts record an increase in home purchases made over time.

Experts record an increase in home purchases made over time. The share of home purchase agreements on installment terms reached 95% in March 2024, while the figure was 85% a year ago and 70% in the pre-war period, analysts from the DIM group of companies report...

  • #eOselya
  • #HousingInUkraine
  • #MortgagesUkraine
  • #RealEstateMarketUkraine
Tuesday, April 30
Kyiv will have a large-scale shortage of apartments in new buildings.

Kyiv will have a large-scale shortage of apartments in new buildings. According to developers, there is no shortage of new housing in Ukraine yet, but the prerequisites for its appearance are being formed, especially in Kyiv, where almost no new projects have appeared s...

  • #eOselya
  • #eVidnovlennya
  • #MortgagesUkraine
  • #RealEstateKyiv
  • #RealEstateMarketUkraine
Tuesday, April 16
The mortgage lending market grew by 17% in February; the main driver is the state’s affordable housing program.

The mortgage lending market grew by 17% in February; the main driver is the state’s affordable housing program. In February, Ukrainian banks issued 783 mortgage loans for a total amount of ₴1.3B. In particular, the volume of mortgage loans granted to the population increased by 17.3% compared to the previous mo...

  • #eOselya
  • #MortgageProgram
  • #MortgagesUkraine
  • #nbu
Tuesday, April 9
Ukraine will launch a state program for renting housing with the right of redemption.

Ukraine will launch a state program for renting housing with the right of redemption. Ukrainian Financial Housing Company is improving the eOselya affordable mortgage lending program and developing new ones, such as a rent program with the right of redemption and social rent. The rent-...

  • #eOselya
  • #HousingsalesUkraine
  • #RealEstateUkraine
  • #RentingHousingUkraine
  • #SocialHousing
Thursday, March 21
In January, the volume of mortgage loans issued increased by 100% to ₴1.1B.

In January, the volume of mortgage loans issued increased by 100% to ₴1.1B. In January, Ukrainian banks issued 676 mortgage loans for a total amount of ₴1.1B, the National Bank reported. The volume of consumer mortgage loans granted decreased by 33% compared to December, whil...

  • #eOselya
  • #HousingProgram
  • #MortgageProgram
  • #MortgagesUkraine
  • #nbu
Monday, February 12
Last year, the amount of mortgage loans issued in Ukraine increased by 400%.

Last year, the amount of mortgage loans issued in Ukraine increased by 400%. In 2023, Ukrainian banks issued 6,114 mortgage loans for a total of ₴9.1B. According to a National Bank survey, the volume of consumer mortgage loans increased almost fivefold in 2023 compared to the ...

  • #eOselya
  • #LoansUkraine
  • #MortgagesUkraine
  • #nbu
  • #UkrainianBanks
Monday, December 18
Banks have broken a mortgage record since the beginning of the war.

Banks have broken a mortgage record since the beginning of the war. Ukrainian banks issued 826 mortgage loans worth ₴1.3 billion in October, 1.6% more by the number of loans and 6.8% more in amount than in September, according to a monthly survey of banks. “The ...

  • #eOselya
  • #MortgageProgram
  • #MortgagesUkraine
  • #nbu
Friday, October 27
The Ministry of Economy presents a plan for the return of Ukrainian refugees.

The Ministry of Economy presents a plan for the return of Ukrainian refugees. Security and the opportunity to find a job, study, and have housing are critical factors for the return of Ukrainian refugees. The government is already working on creating conditions for implementing...

  • #eOselya
  • #RefugeesFromUkraine
  • #RepatriationInUkraine
  • #YuliyaSvyridenko
Tuesday, October 17
The mortgage lending market has picked up in Ukraine.

The mortgage lending market has picked up in Ukraine. In August, Ukrainian banking institutions issued 626 mortgage loans for a total amount of ₴900.9M, the NBU reported. In August, the volume of loans granted to consumers increased by 2.6% compared to J...

  • #eOselya
  • #MortgageProgram
  • #MortgagesUkraine
  • #nbu
Tuesday, September 19
In July, Ukrainian banks increased the issuance of mortgages by 14.6%.

In July, Ukrainian banks increased the issuance of mortgages by 14.6%. In particular, 604 mortgage loans for UAH 878.1M were issued in July, the National Bank reported. Compared to June, the volume of loans approved increased by 16.4%, the number – by 14.6%. The ke...

  • #eOselya
  • #MortgageProgram
  • #MortgagesUkraine
  • #UkrainianBanks
Wednesday, August 2
The eOselya mortgage lending program expanded beginning August 1.

The eOselya mortgage lending program expanded beginning August 1. According to Minister of Economy Yulia Svyridenko, from now on more Ukrainian citizens will be able to get a 7% mortgage rate under the eOselya government program. Ukrainians who do not have a home or...

  • #eOselya
  • #MortgageProgram
  • #MortgagesUkraine
Friday, February 17
Mortgage lending is gradually being restored in Ukraine.

Mortgage lending is gradually being restored in Ukraine. In 2022, Ukrainian banks issued 2,009 mortgage loans for a total amount of UAH 1.96B. Compared to 2021, the issuance of new loans decreased by over 80% in terms of the number of contracts and by over ...

  • #eOselya
  • #MortgageProgram
  • #MortgagesUkraine
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