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
European banks are providing Ukraine with funding to support housing for internally displaced persons and restore critical infrastructure. Consequently, Ukraine will receive €50M from the Council of Europe Development Bank (CEB) to finance a preferential mortgage program for families of internally displaced persons (IDPs). “These f... #CEB #EIB #infrastructureUkraine #InternallyDisplacedPeople #MortgagesUkraine #UkraineRecovery #UkraineRestoration
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
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
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
Demand for loans in Ukraine is growing; banks are planning to ease standards for consumer loans and tighten them for mortgages. Banks remain optimistic about lending, note an increase in demand for corporate and consumer loans, and predict loan portfolio growth over the next 12 months, according to an NBU survey. According to ... #BankLoans #ConsumerLending #financeUkraine #LoansforBusiness #MortgagesUkraine #nbu
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
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
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
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
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
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
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
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
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
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
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
Ukrainian banks expect an increase in lending and an increase in portfolio quality. Banks expect an increase in consumer and commercial lending volume over the next 12 months, and for the first time since the end of 2021, they forecast an increase in loan portfolio quality, the NBU r... #ConsumerLending #CreditPortfolio #financeUkraine #Lending #MortgagesUkraine #nbu #UkrainianBanks
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
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
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
The banking sector expects loan portfolios to grow during the year. According to the results of a quarterly NBU survey on lending conditions, improvement in the main indicators continues to be observed – most respondents expect an increase in lending to enterpri... #financeUkraine #LoanPortfolio #LoansUkraine #MortgagesUkraine #nbu
Ukraine’s real estate market has become more active – the number of transactions has increased by 70% in a year. Last year, state and private notaries certified 172,628 contracts for the purchase and sale of apartments and residential buildings in Ukraine, according to the Ministry of Justice’s report. Thi... #ApartmentUkraine #HousingsalesUkraine #MortgagesUkraine #RealEstateUkraine
The NBU obeserves recovery in the Ukrainian real estate market; companies are building and commissioning new housing. The real estate market is slowly recovering – demand is picking up, primarily in the secondary market. At the same time, the demand for rental properties has increased, and the volume of subsidi... #DIMgroup #HousingConstruction #MortgagesUkraine #nbu #RealEstateUkraine
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
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
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
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
J.P. Morgan will support mortgage lending in Ukraine. American banking giant J.P. Morgan, a European subsidiary of the Alvarez & Marsal consulting company, and Ukrfinzhytlo will develop mortgage lending in Ukraine. “The partnership with J.P. Morgan i... #AlvarezMarsal #JPmorgan #LendingInUkraine #MortgagesUkraine #Ukrfinzhitlo
Banks increase lending and ease requirements for borrowers. Banks have significantly improved their expectations regarding the development of lending in Ukraine. In the second quarter bankers predict an increase in demand for retail loans and mortgages most of... #CreditPortfolio #LendingInUkraine #MortgagesUkraine #nbu
In January, mortgage lending volume fell by 25%. In January 2023, Ukrainian banks issued 357 mortgage loans for UAH 449.5M, half as much as in January 2022 in terms of the number of loans and by 25% in terms of volume, the National Bank reported. Mo... #AffordableMortgages #MortgagesUkraine
Ukrainians have received preferential mortgages for UAH 1.2B. Already, 45,000 Ukrainians have submitted applications to participate in the affordable 3% mortgage lending program through the state company Ukrfinzhitlo. Among them, 936 loans for UAH 1.2B have been... #MortgagesUkraine #YevhenMetzger
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
In 2021, banks issued almost UAH 9B in new mortgages. The National Bank of Ukraine reported that in December 2021 they issued 1,113 mortgage loans totaling UAH 990M ($35.4M). In 2021, banks issued 10,800 mortgage loans totaling UAH 8.9B ($317M). Almost ... #BankingUkraine #MortgagesUkraine #nbu #UkraineBanks
The Affordable Mortgage program provided 1.2 B in loans. As of January 13, 2022, authorized banks under a 7% Affordable Mortgage program, signed over 1,417 loan agreements totaling UAH 1.221 B ($ 44 M) for both primary (22.39%) and secondary (respectively &... #AffordableMortgages #MortgagesUkraine
The number of mortgage loans issued in Ukraine for three quarters of the year doubled – up to 7 500 for UAH 6.1 bln ($225 mln). The total volume of the state program of preferential mortgages with lower interest rates recorded only 1287 applications and issued 903 loans worth UAH... #LoansUkraine #MortgagesUkraine #UkraineHouseLoans
Mortgage rates in Ukraine fell this year by 1.5%. In September 2021, banks issued 943 mortgage loans worth UAH 812 mln ($31 mln). In total, in the first nine months of the year, banks issued more than 7500 mortgage loans totaling almost UAH 6.1 bln (... #MortgageProgram #MortgagesUkraine
The terms for “Mortgage at 7%” to undergo changes. The conditions for obtaining a soft loan at 7% are set out in a government decree № 63. The maximum loan amount is UAH 2 mln ($76,000). The maximum term is 20 years, and the minimum down payment is 15... #AffordableMortgages #MortgagesUkraine
947 loan agreements worth UAH 816 mln were issued under the Affordable Mortgage program, reported the Ministry of Finance. As of October 18, banks that are authorized banks to undertake loans in the State Program “Affordable Mortgage 7%” signed 947 loan agreements totaling UAH... #MortgageProgram #MortgagesUkraine
Ukrainian Banks have issued UAH 690 million mortgages at 7%. As of September 13, banks have concluded 811 loan agreements valued at UAH 689.62 million within the framework of the state program “Affordable Mortgage 7%”. According to the Ministry of F... #AffordableMortgages #MortgagesUkraine #UkraineBanks #UkrainianBanking
Banks issued $135 million in home mortgages during the first half of this year – more triple the amount of January-June 2020, reports the National Bank of Ukraine. Spurring the flow of money, the government adopted March 1 its ‘Affordable Mortgage 7%’ program. Under this program, up to $75,000 can be loaned for up to 20 year... #AffordableMortgages #MortgageProgram #MortgagesUkraine
Mortgages, long a rarity in Ukraine, doubled to $50 million during this first quarter of 2021, compared to January-March of last year, reports the National Bank of Ukraine. The Central Bank has reported that the number of new mortgages increased by 51% yoy, to 1,811. Most mortgages are for dach... #AffordableMortgages #MortgagesUkraine #nbu
