This was emphasised by Oleg Zhuravlov, Deputy Chairman of the Management Board of the Ukrainian Financial Housing Company (UFHC), during his speech at the Ukraine Recovery Conference 2026 (URC 2026). As part of the U-Nation Conference, he participated in the Smart City & Construction panel discussion dedicated to the transformation of Ukrainian cities, the development of modern infrastructure, and attracting investment into the housing sector.
During his presentation, “The Future of Ukrainian Cities: Housing Policy and Finance,” Oleg Zhuravlov noted that rebuilding the housing sector is one of the key challenges facing post-war Ukraine. Today, more than 14% of the country’s housing stock has been damaged or destroyed, while housing recovery needs are estimated at nearly USD 90 billion. At the same time, the results of the yeOselya affordable mortgage programme — which has already provided more than 26,600 mortgage loans with a total value exceeding USD 1 billion — demonstrate strong demand for affordable housing finance and its important role in supporting people’s return, community recovery, and economic activity.
Particular attention was given to the need to develop a modern housing finance ecosystem that combines public support mechanisms, private capital, municipal programmes, housing construction finance, and international partnerships. Such a model, combined with Smart City principles and energy-efficient construction, can ensure the long-term development of Ukrainian cities and become a cornerstone of their post-war recovery.
UFHC’s participation in URC 2026 marked another step towards strengthening international partnerships and promoting modern approaches to housing finance as one of the key instruments for Ukraine’s recovery.
