In Ukraine, housing is rapidly expensive, but buying an apartment for most citizens is a task that looks almost unrealistic. Even with full savings, all the income of the average Ukrainian will take about ten years to accumulate for their own housing.
If in 2018 the average cost of housing was much lower, now the cost has increased by 200%. At the same time, prices in the primary market rose by 197%, and on the secondary - by 160%. It turns out that it is becoming more difficult for developers to keep profitability, and buyers are even harder to find affordable housing.
Despite the high need for housing, Ukrainians rarely use a mortgage - its share in the total number of transactions does not exceed 5.4%. However, this figure is still better than in 2021, when the mortgage covered only 3-3.9% of purchases.
One of the main mortgage lending market is the state program of Eosel . According to the National Bank of Ukraine, 97% of mortgage loans were issued in 2024 within this program. It allows Ukrainians to buy housing at much lower interest than a standard commercial mortgage.
The most popular option among the participants of the program is the secondary market - it accounts for 67% of transactions. Another 24% of apartments were purchased in ready -made new buildings, and only 9% at the construction stage.
Since the start of the Eosel , it has been used by 14,997 Ukrainian families, receiving loans worth more than UAH 24.3 billion.
Who can count on an available mortgage?
The program is aimed at those who do not have their own housing or live in the war zone. First of all, it can be used by:
servicemen - both current and veterans, as well as members of their families.
Medical workers - doctors and nurses of state and communal hospitals.
Educators - teachers and teachers of public schools and universities.
Scientists are employees of state and communal scientific institutions.
Despite all the efforts of the government to make a mortgage more accessible, it is still a privilege for certain categories of citizens. And for those who do not fall under the Yesel , only have to hope for significant economic changes or a ten -year accumulation of funds at no cost.
