The standard down payment for the state preferential mortgage program “єОселя” is from 20% of the property’s cost. For borrowers under 25, it can be reduced to 10%. Depending on the city and property value, accumulating this amount might take Ukrainians from 8 months to over two years, assuming they save their entire earnings. This is according to the quarterly real estate market report from LUN.
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What are the most affordable apartments worth
According to analysts, “єОселя” remains a key driver of sales for newly built housing. However, the number of developer offers that meet the program’s conditions is gradually decreasing.
In Kyiv, the median cost of the most affordable ready-made one-room apartment on the primary market is 2.5 million UAH.
In Uzhhorod, similar housing costs around 2.4 million UAH. The most expensive offers among Ukrainian cities are recorded in Lviv, averaging 3.1 million UAH.
How much needs to be saved for the down payment
To save for the down payment on the most affordable one-room apartment, a resident of Kyiv needs to gather about 383,000 UAH.
At the average salary, this is almost 11 months of work, assuming no expenses from earnings.
Residents of Lviv will need the longest to save. There, the initial down payment is approximately 838,000 UAH, equivalent to over two years and three months of average earnings.
Residents of Zaporizhzhia need the least amount of time to save, about 8 months.
How much income do payments consume
After finalizing the loan, the main burden becomes the monthly payment.
In Lviv, servicing a mortgage under “єОселя” would require about 83% of the average salary. In Uzhhorod, it’s 75%.
In Kyiv, the burden is lower, around 34% of the average earnings.
The situation appears most comfortable in frontline cities, where the monthly loan payment may consume 22-30% of the average local salary.
Program Updates
As “Minfin” reported, on July 17, the terms of the state program “єОселя” were updated: now, representatives of a broader range of borrowers can acquire housing at a preferential rate. For new loans, the state will subsidize a portion of the interest rate for certain population categories, so they will pay 3% per annum for the first 10 years and 6% from the 11th year.
Who the new terms apply to
- combatants;
- persons with war-related disabilities;
- veterans;
- families of fallen or deceased war veterans;
- families of fallen or deceased defenders of Ukraine.
Military personnel called up from reservists during a special period, and their family members, have also gained the right to preferential mortgage rates. If they obtained a loan between January 11 and July 17, 2026, the preferential rate will apply from the contract signing date, provided they meet the program’s criteria. The new rates do not apply to other loans issued before July 17.
New Area Standards
- For an apartment: 52.5 sq. m per person and 73.5 sq. m for a family of 2 or 3 people;
- For a house: 62.5 and 83.5 sq. m, respectively;
- An additional 21 sq. m is added for each fourth family member;
- The maximum standard area is 115.5 sq. m for an apartment and 125.5 sq. m for a house.