In Ukraine, the popularity of the state mortgage program «eOselya» continues to grow. Since its launch, over 20 thousand Ukrainians have taken advantage of preferential housing loans, with the total amount of issued loans exceeding 35 billion hryvnias. This was reported by Finance.ua.
Who most often takes out a mortgage
Half of all participants in the «eOselya» program are military personnel and representatives of the security sector, who can obtain loans at an annual interest rate of 3%. They have signed more than 10,392 contracts. Next are:
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medics — 1,560 borrowers,
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teachers — 1,540,
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scientists — 413 people.
At a rate of 7%, loans were obtained by:
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5,386 Ukrainians who did not have their own housing or lived in an apartment below the standard,
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484 veterans.
The most active buyers of housing under the state program are Ukrainians aged 26 to 35 years (45%) and 36 to 45 years (33%).
What housing do eOselya participants choose
Most apartments purchased under the «eOselya» program have an area of up to 73 sq. m.
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39% of apartments — with an area of 50 to 73 sq. m,
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another 39% — less than 50 sq. m.
In total, Ukrainians have purchased over 1 million square meters of housing, including:
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12,355 apartments in the secondary market,
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8,378 — in the primary,
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1,935 — in buildings under construction.
Economic impact of the program
Deputy Minister of Economy Andriy Telyupa noted that «eOselya» not only helps Ukrainians acquire their own housing, but also stimulates the development of the construction sector. Mortgages worth nearly 400 million hryvnias are concluded weekly, and each hryvnia of state support returns 2.8 hryvnias in taxes to the budget.
How much one needs to earn to take a loan for an apartment under the eOselya program.