In 2026, a new procedure for monitoring real estate transactions was implemented in Ukraine: realtors officially became part of the financial monitoring system. From now on, intermediaries work alongside notaries and appraisers, ensuring triple oversight of every transaction in the housing market.
This is reported by Finway
New Responsibilities of Realtors in Financial Monitoring
The threshold for mandatory verification remains at 400,000 hryvnias, which is an extremely low amount for the modern real estate market. This means that practically every transaction involving the purchase and sale of housing is automatically subject to oversight by realtors, who now have to perform additional functions.
In addition to traditional services, realtors must identify clients, verify the source of their funds, and report suspicious financial transactions to the State Financial Monitoring Service. To do this, real estate professionals are required to register in the relevant system and analyze each transaction for atypical details.
“Buyers and sellers are now required to provide passport details, tax identification numbers, and proof of income. All this information will be stored for at least five years.”
Special emphasis in the checks is placed on cash transactions and complex schemes for conducting operations, which increases the level of transparency in the market.
How Changes Will Affect Real Estate Market Participants
Market participants are already feeling the effects of the new requirements. Additional checks lead to an increase in the number of necessary documents and extended timelines for finalizing transactions. According to experts, these innovations could add from one to three days to the standard process of buying or selling housing. From now on, explanations regarding the source of funds have become a mandatory part of every transaction.
Despite the tightening of control, the shadow segment of the market will not disappear completely. Some participants will attempt to circumvent the rules through unofficial agreements or additional payments to maintain anonymity. Thus, the real estate market is likely to split into transparent and shadow segments, and the risks for participants in unofficial transactions will increase.