Ukraine to Launch Updated Rules for 'eOselya' Affordable Mortgage Scheme from 2027

Starting January 15, 2027, Ukraine is set to implement updated regulations for the state-subsidized mortgage program 'eOselya'. The initiative aims to make housing more accessible for young people and families with children, MP Iryna Borzova announced on Den.LIVE.

Key Down Payment and Interest Rate Discounts

Under the planned rules, young applicants up to 25 years of age inclusive will be eligible for a mortgage with a 10% down payment. For young families up to 35 years old, the required initial deposit will be set at 20%.

Furthermore, the program introduces a rate reduction mechanism tied to family growth: each child born to the family will reduce the mortgage interest rate by an additional 2 percentage points, applicable for up to three children.

Increased Property Limits and Program Metrics

The revised terms will also raise the maximum allowable property size and valuation parameters by 40%. The previous restriction of 46 square meters for a young family was often considered too constrained for households with children.

To date, around 30,000 Ukrainian families have purchased homes via 'eOselya', with total funding exceeding UAH 50 billion. The program continues to provide preferential terms to military personnel, healthcare professionals, educators, researchers, and internally displaced persons (IDPs).