Ukrfinzhytlo said that increasing funding for the «YeOselia» programme does not automatically trigger a revision of lending terms in 2027. The company is reviewing feedback from citizens, proposals from partner banks and developers, and is open to possible improvements to the terms.
Programme rules remain unchanged
The increased funding does not currently change interest rates, down-payment requirements, the maximum property value, area standards or borrower eligibility criteria. Potential innovations may cover various aspects of the programme, but they are not directly linked to the 45 billion UAH allocated for redemption and servicing of domestic government bonds (OVDP).
Ukrfinzhytlo also noted there are no queues for mortgage processing — partner banks continue to process applications, and loans are being issued as normal.
Plan for 2026 and actual figures
The company has set a target of issuing 10,000 mortgage loans for 2026; at the time of the comment borrowers have already received approximately 6,500 loans. Ukrfinzhytlo says that the available financial resources are sufficient for the programme to continue operating through the end of the year.
Increasing lending on the primary market is a separate priority, but there are no specific targets yet for the share of lending to new-builds versus secondary housing for 2027.
Impact of the programme on prices and support for the primary market
Ukrfinzhytlo believes the current scale of the programme is not large enough to have a significant effect on overall property prices: mortgage deals account for roughly 3% of all housing purchase-and-sale transactions. International experience shows a noticeable impact of mortgage lending on pricing occurs when its share reaches around 30–40% of all deals.
Support for the primary market, the company says, has a broader economic effect: according to calculations by Minekonomiky, each hryvnia of state support under «YeOselia» returns about 2.8 hryvnia to the budget in taxes and fees. At the same time, apartment prices also depend on construction costs, the exchange rate, the cost of materials and labour, and the level of demand in particular regions.
