- Military personnel under contract from the Armed Forces, Security Service of Ukraine, Foreign Intelligence Service of the Main Directorate of Intelligence of the Ministry of Defence of Ukraine, the National Guard of Ukraine, State Security Administration, State Special Communications Service, State Special Transport Service, military prosecutors of the Office of the Prosecutor General, employees of the State Emergency Service, officers of the Judicial Protection Service, senior officers of the Special Operations Department of the National Anti-Corruption Bureau, detectives and senior detectives of the National Anti-Corruption Bureau, rank and file personnel of the State Bureau of Investigation, detectives and officers of the Bureau of Economic Security, police officers and their families.
- Medical workers – specialists and professionals in state and municipal healthcare institutions.
- Pedagogical workers in state and municipal educational institutions.
- Scientific and scientific-pedagogical staff of state or municipal educational institutions and research institutions.
- War veterans and their families, combatants, persons with disabilities as a result of war, families of the deceased (fallen) war veterans as defined by Article 10 of the Law of Ukraine “On the Status of War Veterans, Guarantees of Their Social Protection,” and families of deceased (fallen) Defenders of Ukraine.
- Internally displaced persons.
- Other citizens who do not own housing or whose housing area is less than 52.5 m² + 21 m² for each additional family member.
○ Apartment, property rights to an apartment in a residential building, townhouse;
○ Area: for apartments – no more than 52.5 m² per person plus 21 m² for each additional family member; for residential houses – no more than 62.5 m² per person plus 21 m² for each additional family member;
○ Located within the territory of Ukraine, excluding temporarily occupied territories and areas of active hostilities;
○ For contract servicemembers and law enforcement officers, medical professionals, educators, researchers, and veterans: a private house or an apartment in a building under construction or not older than 10 years (for regional centres and Kyiv);
○ For IDPs and others: a private house or an apartment in a building under construction or not older than 3 years;
○ Commissioned housing is subject to compulsory insurance
must not exceed the average cost of housing by region in Ukraine, as determined by the Ministry for Restoration*, multiplied by the relevant coefficients:
| 2 | for Kyiv, Dnipro, Lviv, Odesa, Kharkiv and regional centres, settlements located within 15 km from regional centres and Kyiv, settlements with a population of over 300,000 people |
| 1,75 | for settlements with a population of up to 300,000 people |
• If the cost per 1 м² of the chosen apartment exceeds the limit, the difference must be paid at the expense of the down payment.
*Current indicators of the cost of housing construction.
Having reviewed the programme conditions, he decided to buy an apartment in Vinnytsia.
Oleksandr lives alone, so the normative area size of the housing for him is 52.5 m².
He found an apartment in a building constructed in 2015.
He calculated the standard cost of housing as follows: found the cost of housing in the Vinnytsia region (20,431 UAH/m²) and multiplied it by the coefficient for regional centres (2).
Thus, the standard cost per 1 м² of his housing is 48 950 UAH.
| Total cost of the housing (52.5 m² x 48 950 UAH) | 2 569 875 UAH |
| Initial down payment (20% of the total cost) | 510 000 UAH |
| Total loan expenses | 74 610 UAH |
| Monthly payment (considering the effective interest rate of 3% per annum) | 11 445 UAH |
| One-time loan origination fee, 1% of the loan amount | 20 560 UAH |
| One-time mandatory state pension insurance fees, 1% of the cost of housing | 25 700 UAH |
| Annual property insurance (for the mortgaged property), 0.25% of the cost of housing | 12 850 UAH |
| Appraiser’s fee, one-time | 3 500 UAH |
| Notary services, one-time | 12 000 UAH |
* vary depending on the banks
2
Receive offers from banks, choose one
3
Find the option you plan to purchase, provide the bank with the necessary documents
4
Undergo data and document verification at the selected bank
5
Sign a contract with the bank and a purchase agreement for the chosen apartment
for providing affordable mortgage lending to citizens of Ukraine by the private joint-stock company Ukrainian Financial Housing
Company under the yeOselia programme from 1.08.2023
As a leading financial institution, Ukrfinzhytlo participates in the implementation of national and international customer identification standards, in particular the requirements of the Law of Ukraine dated 06.12.2019 No. 361-IX ‘On Prevention and Counteraction to Legalisation (Laundering) of Criminal Proceeds, Terrorist Financing and Financing of Proliferation of Weapons of Mass Destruction’ (as amended), the Regulation on Financial Monitoring by Institutions, approved by Resolution of the Board of the National Bank of Ukraine No. 107 dated 28.07.2020 (as amended). In order to establish (continue) business relations, please answer the questions of this Questionnaire and send it to info@ukrfinzhytlo.in.ua by signing the QES.
Instructions for signing are available here
You can apply for the program through the Diia mobile app in the “Services” section.
To submit your application, follow these steps:
1. Go to “Services” and select yeOselia.
2. Fill in information about your family composition.
3. Enter your spouse’s identification number and your family’s average monthly income.
4. Provide details about the property you plan to purchase with a mortgage.
5. Choose a bank and sign the application with your qualified electronic signature (QES).
6. Receive a response from the bank.
A message from the bank with a preliminary offer for affordable mortgage lending will be sent to the Diia app within 24 hours.
According to the Resolution of the Cabinet of Ministers of Ukraine No. 856 dated August 2, 2022, Ukrainian citizens who belong to one of the following categories can participate in the program:
— Military personnel serving under contract in the Armed Forces of Ukraine, the Security Service (SBU), the Foreign Intelligence Service, the Main Intelligence Directorate of the Ministry of Defense, the National Guard, the State Border Guard Service, the State Protection Directorate, the State Service of Special Communications, the State Special Transport Service, prosecutors of specialized defense prosecution offices of the Prosecutor General’s Office, officers and rank-and-file staff of the State Emergency Service, employees of the Court Security Service, detectives and senior detectives of the National Anti-Corruption Bureau, officers and rank-and-file staff of the State Bureau of Investigation, detectives and officers of the Bureau of Economic Security, and police officers — as well as their family members.
Individuals who were dismissed from these positions or lost their status due to receiving disability group I or II as a result of the war, after obtaining a yeOselia mortgage, are also included in this preferential category for the duration of their disability. However, their family members are not included.
— Healthcare professionals, according to the Order of the Ministry of Health of Ukraine dated March 29, 2002, No. 117 “Directory of Qualification Characteristics of Employees’ Professions. Issue 78: Healthcare” (Alphabetical Index of Professions – sections “Professionals” and “Specialists”).
— Teaching staff of educational institutions of state or communal ownership, according to the Resolution of the Cabinet of Ministers of Ukraine No. 963 dated June 14, 2000, “On Approval of the List of Positions of Teaching and Scientific-Pedagogical Workers” (section “Positions of Teaching Staff”).
— Scientific and scientific-pedagogical workers of educational and research institutions of state or communal ownership, in accordance with Article 31 of the Law of Ukraine “On Scientific and Scientific-Technical Activities”, and the same Resolution No. 963 (section “Positions of Scientific and Scientific-Pedagogical Workers of Higher Education Institutions of Levels III–IV of Accreditation”).
You can choose either an apartment or a private house. The property must meet the following requirements:
1. Location:
The property must be located within the territory of Ukraine, except in areas affected by active hostilities or temporarily occupied by the Russian Federation. Properties located in territories listed by the Ministry for Communities, Territories and Infrastructure Development of Ukraine as areas where hostilities are ongoing or that remain temporarily occupied, and for which no official date for the end of hostilities or occupation has been established, are not eligible for the program.
2. Standard housing area:
— For an apartment in a multi-apartment building: up to 52.5 sq. m per person + 21 sq. m for each additional family member.
— For a private house or townhouse: up to 62.5 sq. m per person plus 21 sq. m for each additional family member.
3. Property age requirements:
For contracted military personnel of the Armed Forces of Ukraine, teachers, healthcare workers, scientists, and war veterans:
— if the property (apartment, house, or townhouse) is located in Chernihiv, Sumy, Kharkiv, Zaporizhzhia, or Kherson regions, it must have been commissioned no earlier than 20 years before the date of signing the mortgage agreement;
— if the property is located in other regions or in Kyiv, it must have been commissioned no earlier than 3 years before the date of signing the agreement.
For internally displaced persons (IDPs):
— the property must have been commissioned no earlier than 20 years before the date of signing the agreement, in all regions where the program operates.
For other categories of borrowers:
— the property must have been commissioned no earlier than 3 years before the date of signing the agreement.
Yes, you can. You may select a property whose value per square meter or total area exceeds the program’s standard limits. The amount exceeding the maximum eligible cost or area can be covered through your down payment.
— Single person: 52.5 sq. m
— Two-person family (e.g., spouses or parent and child): 52.5 + 21 = 73.5 sq. m
— Three-person family (e.g., spouses and one child): 52.5 + 21 + 21 = 94.5 sq. m
Currently, the following banks are integrated into the program:
1. JSC ‘OSCHADBANK’;
2. JSC CB ‘PRIVATBANK’;
3. JSB ‘UKRGASBANK’;
4. JSC CB GLOBUS;
5. JSC ‘SKY BANK’;
6. JSC ‘SENSE BANK’
7. JSC ‘BANK CREDIT DNIPRO’
8. JSC ‘RADABANK’
9. JSC BANK FOR INVESTMENTS AND SAVINGS
240 months.
The insurance rate must not exceed:
— 0.25% per year of the property’s value — if the insurance contract does not include additional coverage for damage caused by military actions;
— 1.25% per year of the property’s value — if the insurance contract includes additional coverage for damage caused by military actions.
es, you can — but only if the total living area owned by you and your family members is less than 52.5 sq. m for a single-person household, plus 21 sq. m for each additional family member. Property located in areas of active hostilities, temporarily occupied territories, or blockaded areas — as defined by the Order of the Ministry for Communities, Territories and Infrastructure Development of Ukraine No. 376 dated February 28, 2025 “On Approval of the List of Territories Where Hostilities Are Ongoing or That Are Temporarily Occupied by the Russian Federation”, including the temporarily occupied territories of the Autonomous Republic of Crimea and the city of Sevastopol — is not counted toward this limit.
Additionally, if you sold or transferred ownership of any real estate within the past 12 months, the area of that property combined with your current housing area must not exceed 52.5 sq. m per person plus 21 sq. m for each additional family member to qualify for the program.
Yes, you can. The yeOselia program allows you to purchase an apartment in a new building or property rights for an apartment in a building that is still under construction. You can view the list of developers and properties eligible for purchase under the program by following the link.
The loan issuance process includes the following stages:
— submitting an application;
— review of the application by the bank;
— bank decision on lending and provision of a list of required documents to the applicant;
— submission of documents by the borrower, their family members, and guarantor (if applicable), as well as documents related to the mortgage property;
— signing of agreements — including the loan, mortgage, guarantee, and insurance contracts;
— loan disbursement — the borrower receives the credit funds.
Starting from September 19, 2024, and for 10 years from the date the loan agreement is signed, the base interest rate is 7% per annum. However, beginning on the first calendar day of the 11th year of the loan agreement, the rate will be 10% per annum. Interest rate compensation for certain borrower categories will remain in effect — from the first calendar day of the 11th year, compensation will be provided to the level of 6% per annum.
For agreements signed before the changes were introduced, the interest rate remains fixed for the entire duration of the loan. Base interest rate — 7% per annum. Preferential interest rate for specific categories — 3% per annum.
If a borrower belonging to a preferential category changes jobs and loses the right to interest rate compensation, they will continue repaying the loan at the base program rate of 7% per annum.
Example: a healthcare worker employed at a state-owned medical institution received a loan at 3% per annum. Three years later, they moved to work in a private medical facility. Since under the program only medical professionals working in state or municipal institutions are eligible for the preferential rate, they will continue repaying the loan at the base interest rate of 7% per annum.
Yes, you are. According to Article 166 of the Tax Code of Ukraine, a taxpayer has the right to a tax rebate, since one of the expenses allowed for inclusion in the rebate is the reimbursement of part of the interest paid on a mortgage housing loan.
The grounds for calculating the tax rebate, including the exact amounts, must be indicated by the taxpayer in the annual tax declaration, which must be submitted by December 31 of the year following the reporting tax year. The total amount of the tax rebate cannot exceed the taxpayer’s annual taxable income received as wages, reduced in accordance with paragraph 164.6 of Article 164 of the Tax Code of Ukraine.
Please note that the central executive authority responsible for implementing state tax policy provides free consultations on the procedure for confirming eligibility for the tax rebate and filing the tax declaration. This includes conducting training sessions and seminars, as well as providing free declaration forms and other necessary documents upon request. For more detailed information, please contact the State Tax Service at your place of registration.
No, you do not. According to paragraph 15-1 of the Procedure for Payment of the Mandatory State Pension Insurance Fee on Certain Types of Business Transactions, approved by the Resolution of the Cabinet of Ministers of Ukraine No. 1740 dated November 3, 1998 (as amended), individuals who purchase real estate are required to pay a 1% fee of the property value specified in the purchase agreement. However, this does not apply to citizens who are buying a home for the first time or those who are registered in the housing queue for receiving a dwelling.
Yes, you can. These programs are not mutually exclusive.
Moreover, you can use the yeVidnovlennia certificate to pay the down payment (or part of it) under the yeOselia mortgage program.
No, it cannot. According to the Law of Ukraine “On Mortgage”, real estate that may be mortgaged includes land plots and objects permanently attached to the land, the relocation of which is impossible without reducing their value or altering their intended purpose.
Yes, you can. If you belong to a preferential category and hold an active IDP (internally displaced person) certificate, you are eligible for state compensation.
Example: a serviceman of the Armed Forces of Ukraine (or a medical worker, scientist, or teacher) qualifies for a preferential mortgage at 3% per annum. When submitting the application, they indicate their category as military personnel. If they also have a valid IDP certificate, they can apply for the 70% state compensation through the bank chosen for the mortgage.
No, you cannot. Resolution No. 998 came into force on September 10, 2025 — from this date, it became possible to apply for the compensation. Moreover, the approval for compensation from the Pension Fund of Ukraine must be obtained before the loan is issued.