Ukraine's eOselia Program: Expanding Housing Access
In the past week alone, Ukraine's eOselia housing program has facilitated 128 new mortgages, totaling nearly 215 million hryvnia. This state-backed initiative, part of the broader 'Made in Ukraine' policy, aims to support citizens in purchasing homes during a period of significant economic pressure.
Since the start of 2026, the program has seen 1,208 participants secure mortgages for a combined 2.46 billion hryvnia. Borrowers who qualified for loans at a reduced 3% interest rate include:
- 47 military personnel and security sector workers
- 9 educators
- 6 healthcare workers
- 3 scientists
Additionally, loans at a 7% rate were granted to:
- 43 Ukrainians without property of their own
- 20 internally displaced persons
The regions with the highest number of approved program loans are:
- Kyiv Oblast – 43
- City of Kyiv – 18
- Lviv Oblast – 15
The Significance of the eOselia Program
The eOselia program continues to be a critical tool in improving housing accessibility for Ukrainians. Its targeted support for key societal groups—including military members, medical professionals, and those displaced by conflict—highlights a governmental focus on addressing core social needs. This program is particularly vital for stabilizing communities and supporting the workforce.
The rising number of mortgages issued suggests a gradual improvement in housing affordability, which could contribute to greater long-term stability in Ukraine's real estate market.