The Ukrainian government plans to increase the issuance of preferential mortgages by 23% in 2025

The restoration of the housing stock in Ukraine remains a priority for the government, and the mortgage loan program “eOselya” plays an important role in this process. In 2025, it is planned to increase the volume of loans issued under this program by 23.3% compared to last year, amounting to approximately ₴18 billion. This was announced by the Minister of Economy, Yulia Svyrydenko, during a specialized forum in Kyiv.

This is reported by AgroReview

The minister emphasized the critical situation with the housing stock, noting that 13% of buildings in Ukraine have been destroyed or damaged due to the conflict, and about 2.5 million households are in need of new housing. In this regard, the government plans not only to continue mortgage lending but also to develop alternative mechanisms, such as rent-to-own options for those who cannot afford the down payment.

New strategies for affordable mortgages

It is also planned to introduce social rental schemes, which will allow housing to be provided for long-term rent to certain categories of citizens at preferential prices. According to the Deputy Head of the National Bank of Ukraine, Kateryna Rozhkova, the “eOselya” program needs to change its approach, especially regarding the transition from direct lending to interest rate compensation.

She emphasized that Ukraine needs to develop a mortgage strategy by mid-2025, taking into account budget constraints and aiming to make the “eOselya” program more economically beneficial for the state.