Volkovska said of the Association’s online survey of 41 construction finance managers. Of the group, 54% said they have not noticed any impact. Looking ahead, 38% said they hoped it will spark more sales. So far, the program has largely financed dacha sales, largely because buyers can use their primary residences as collateral. For buyers who receive their pay ‘in envelopes’, bank mortgages are impossible or too expensive. In a new National Bank of Ukraine survey, bank managers predict an increase in mortgages over the coming year.