More than 18,000 Ukrainians have already obtained affordable mortgages trough program yeOselia, which was launched during the full-scale war.
The majority of borrowers are military personnel and representatives of the security sector, who can get a mortgage at a 3% interest rate – 9,331 loans in total. This represents more than half of all yeOselia participants.
“18,000 loans, over 11,500 children provided with housing, and more than 1 million square meters of living space – these are the results of the program as of today. The total amount of loans issued has already exceeded ₴30 billion. Demand for affordable mortgages remains high. After the program update in November 2024, the number of Ukrainians choosing housing in new buildings increased. While last year the share of such purchases was 33%, it now stands at 60%. This is an important signal for the construction industry, which is gaining momentum and recovering,” said First Deputy Prime Minister and Minister of Economy of Ukraine Yuliia Svyrydenko.
Since the program’s launch, the following groups have benefited from it:
At 3% interest:
9,331 families of military personnel and security sector workers
1,413 medical professionals
1,406 educators
369 scientists
At 7% interest:
4,496 Ukrainians without housing (or with housing below minimum standards)
672 internally displaced persons
411 veterans
Nearly 45% of borrowers are Ukrainians aged 26–35, and 33% are aged 36–45.
Around 80% of properties purchased through yeOselia are apartments sized between 50–73 square meters (39% of all) or under 50 square meters (also 39%). The total area of property purchased through the program has already surpassed 1 million square meters.
A total of 11,466 yeOselia loans have been issued for secondary market housing, and 6,632 for newly built properties. Among them, 1,449 loans were issued for apartments in buildings still under construction.
After the program update in 2025, the share of newly built or under-construction housing reached 60%.
“₴30 billion in loans issued under the yeOselia program reflects its systemic impact on the financial sector, construction industry, and the economy overall. The program creates demand, sends a clear signal to developers, engages banks, and builds trust in state instruments. We’re moving forward: scaling and fine-tuning the program over the next five years will allow to make it even more effective for those who truly need it. yeOselia is an example of how a social program can produce powerful economic effect. That’s what makes it the most successful mortgage program in Ukraine’s history of independence,” emphasized Ievgen Metsger, Chairman of Management Board at PJSC UFHC.
