In April 2025, Ukrainian banks issued 458 mortgage loans totaling 834.8 million hryvnias, which is a 5% increase compared to March. This data indicates a revival in demand in the real estate market and an activation of bank lending to the population.
This is reported by Finway
Structure of the Mortgage Market: Primary and Secondary Segments
Of all the mortgage loans issued in April, 261 loans amounting to 492.3 million hryvnias were allocated to the primary real estate market. Another 197 loans totaling 342.5 million hryvnias were issued in the secondary market. The weighted average effective interest rate for loans in the primary market was 8% per annum, while in the secondary market it was 9.7%.
Portfolio Quality and Regional Leadership
The condition of the mortgage portfolio of Ukrainian banks remains stable: the share of non-performing loans has not changed and stands at 15%. The largest volume of mortgage lending was recorded in Kyiv region, the city of Kyiv, as well as in Lviv, Ivano-Frankivsk, and Dnipropetrovsk regions.
Since the beginning of 2025, according to the Ministry of Economy, 2,953 Ukrainian families have utilized the affordable mortgage program “eOselya” to purchase their own housing. The total amount of loans issued under this initiative is 5.4 billion hryvnias. Since the program’s inception in October 2022, a total of 17,793 families have been able to obtain mortgage financing totaling over 29.4 billion hryvnias.
Ukrainian banks issued 458 mortgage loans totaling ₴834.8 million in April, which is 5% more than in March, according to data from the NBU.