Ukraine’s affordable mortgage program yeOselia continues to demonstrate resilience and scale — both as a social policy tool and a driver of economic growth.
Since its launch during the full-scale war, the program has provided over 35 billion UAH in housing loans, enabling more than 20,000 Ukrainian families to purchase their own homes.
The largest share of borrowers are military personnel and security service members, who access mortgages at a preferential 3% interest rate — over 10,000 loans, accounting for more than half of all participants.
“yeOselia is not only about affordable housing — it’s an engine for the construction industry and related sectors. Each week, mortgage contracts worth nearly 400 million UAH are signed. For business, this means growing demand for materials, furniture, logistics, and new jobs. Every hryvnia of state support returns 2.8 hryvnias in taxes and revenues to the budget — this is how the “Made in Ukraine” policy works in practice,” said Andrii Teliupa, Deputy Minister of Economy, Environment and Agriculture of Ukraine.
Through yeOselia, Ukraine is building not only homes — but economic recovery and investor confidence.
So far, the program has supported:
- 10,392 families of military and security personnel
- 1,560 medical workers
- 1,540 teachers
- 413 scientists
- 5,386 Ukrainians without housing
- 958 internally displaced persons (IDPs)
- 484 veterans
“35 billion UAH in yeOselia loans means almost 21,000 families with new homes — and more than 13,000 children who now have a safe place to grow up. Each loan contributes to Ukraine’s recovery — creating jobs, stimulating construction, and building resilience,” emphasized Ievgen Metsger, Chairman of Management Board at UFHC.
In total, Ukrainians have already purchased over 1.2 million square meters of housing through the program — a tangible impact showing that targeted financial instruments can drive both social outcomes and sustainable economic growth.
For international partners and investors, yeOselya stands as a tested, transparent mechanism for channeling resources into Ukraine’s recovery and housing finance sector.
