During the war, a significant alternative to the state mortgage program eOselya has emerged in the Ukrainian residential real estate market — installment plans from developers. As of October 2025, such programs account for 65% to 90% of transactions for purchasing new builds, while the state mortgage remains less accessible for most citizens.
This is reported by Finway
Dynamics of Mortgage Lending and New Trends
According to experts from the DIM group of companies, the share of state mortgages in 2025 is only 5-15% of the total number of transactions. From the beginning of the year until September 2025, the eOselya program issued 5,406 loans, which is 63.48% of last year’s figure. This is 20.78% less than in the same period of 2024. Forecasts suggest that by the end of 2025, if the pace of 600 loans per month is maintained, the total number of loans issued will reach 7,200–8,000, or about 90% of the 2024 result. To return to last year’s volumes, simplification of procedures or additional funding is necessary.
“Overall, during the program’s operation (October 2022 – October 2025), 20,773 loans have been issued for ₴35 billion. Despite the expansion of the eOselya program in 2025, it remains inaccessible for most citizens due to strict requirements and bureaucracy. Only 10-30% of applications are approved through automated selection in ‘Diia’ and banks. More than 70-90% of rejections occur during the verification stages. Entrepreneurs and those employed informally have minimal chances, making the program available only to 10-15% of potential borrowers.”
Installments as the Main Tool for Home Purchase
In 2025, installment plans from developers are becoming increasingly popular due to their flexibility, speed, and accessibility. This tool allows Ukrainians who do not meet the requirements of eOselya to purchase housing in installments. According to market data, up to 80% of potential buyers who do not qualify for the state mortgage turn to installment plans. In the first three quarters of 2025, between 10,000 and 15,000 installment agreements were concluded, and the demand for comfort-class apartments with installment plans increased by 30%.