In the III quarter of 2026, 37% of Ukrainians considered the possibility of purchasing housing on credit or through instalments, according to OLX Нерухомість. Respondents named a stable income, affordable interest rates and reliable state programmes as the main conditions for such a decision.
Demand for buying housing on credit and the «єОселя» programme
Interest in buying property using a loan or instalments remained stable: in the III quarter of 2026 this option was considered by 37% of respondents versus 38% a year earlier. One option is the state programme «єОселя»: 16% of respondents plan to use it, a further 8% are considering other loan programmes, and 13% — purchase through instalments.
Awareness of the «єОселя» programme is growing: in the III quarter of 2026, 80% of potential buyers knew about it, compared with 69% in the IV quarter of 2024. In practice 4% of respondents have used it, but the share of those who have not yet used the programme but plan to do so rose to 47% in the III quarter of 2026.
Terms and the real cost of credit for prospective borrowers
Interest rates remain critical: 90% of potential borrowers consider an annual rate of no more than 5% acceptable (45% — up to 2%, a further 45% — within 3−5%). Among the benefits of a loan or instalments respondents most often cited the ability to obtain housing sooner (54%) and fixed monthly payments that ease planning (43%).
When assessing the real cost of a loan, respondents take into account the interest rate, fees, insurance and early repayment terms. Fixing payments in hryvnia is also important, as it avoids currency risk.
Barriers to buying a home on credit and potential motivators
Among those who do not consider buying a home on credit or instalments, the main barrier was an unwillingness to take on debt obligations — 48%. A further 45% do not want to pay interest, 33% are deterred by an unstable economic situation and wartime risks, and 28% consider current lending conditions too unfavourable.
Factors that could motivate respondents to consider a loan included higher income or stable employment (39%), a lower interest rate (38%) and a reliable state or social programme with guarantees (36%). As the decisive factor for buying a home on credit, 29% named higher income or stable employment, 17% — a lower rate, and 15% — a reliable programme with guarantees. For comparison, in the III quarter of 2025 this decisive factor was named by 19% of respondents.
Broader obstacles to purchasing property
In a broader sense respondents most often cited the war and associated risks — 56% — as well as high property prices — 53%. A further 42% pointed to economic uncertainty, 35% to insufficient income or lack of savings, and 32% to high loan rates.
Additionally, 29% cited labour market instability and the risk of job loss, 21% — lack of accessible lending programmes or onerous mortgage conditions, and 18% — the flexibility advantages of renting. Overall, 78% of respondents said that the frequency of Russian attacks affects their plans to purchase property to some degree: for 51% this impact is significant, for a further 27% it is partial.