eOselia is a state affordable mortgage program: participating banks issue housing loans at 3% or 7% per year for the first 10 years. Below: who can take part, the requirements for the housing and the down payment, additional costs and how to apply in Diia. The terms are taken from Cabinet of Ministers Resolution No. 856 (version of 17 July 2026) and the program’s website as of 21 October 2026.
Important. The program’s terms change regularly: the current version of the resolution is dated 17 July 2026, and the Ministry of Development reviews the maximum housing cost several times a year. Before applying, check the terms on the program’s website and with the bank. This material is for information only and is not credit advice.
Main Loan Terms
| Term | Value |
|---|---|
| Rate for the first 10 years | 3% for preferential categories, 7% for others |
| Rate from year 11 | 6% for preferential categories, 10% for others |
| Maximum term | 240 months (20 years) |
| Minimum down payment | 10% of the price for borrowers aged up to and including 25, 20% from age 26 |
| Borrower’s age | From 18 on the date of the agreement, no more than 70 on the date of full repayment |
| Bank fees | No more than 1% of the loan amount in total for the whole term (for agreements from 1 September 2023) |
| Property insurance | Mandatory; rate up to 0.25% of the value per year, with war risks up to 1.25% |
The base rate is 7% for the first 10 years and 10% after that, and for preferential categories Ukrfinzhytlo compensates part of it, so they pay 3% and 6%. The benefit is not for life: every quarter the bank checks military personnel, medical workers, teachers and researchers. If there is no confirmation for 90 days or the person has moved to another category, the compensation stops; returning within 30 days keeps it.
Who Can Get It
The borrower must be a citizen of Ukraine, be creditworthy and have no housing of their own or less than the norm. The norm is 52.5 m² for one person, 73.5 m² for a family of two or three, plus 21 m² for each additional family member. Housing in combat areas, in temporarily occupied territories and destroyed housing is not counted. Borrower categories (clause 3 of the Terms):
| Category | Rate for the first 10 years |
|---|---|
| Contract military personnel (Armed Forces of Ukraine, SBU, Foreign Intelligence Service, HUR, National Guard, State Border Guard Service and other formations), mobilized and called-up reservists, police officers, prosecutors, rank-and-file and senior staff of the State Emergency Service and the State Bureau of Investigation, NABU and Economic Security Bureau detectives, Court Security Service employees and their family members | 3% |
| Medical workers of state and municipal healthcare facilities | 3% |
| Teaching staff of state and municipal educational institutions | 3% |
| Research and academic staff of state and municipal institutions and organizations | 3% |
| War veterans: combatants, persons with war-related disabilities, war participants, families of fallen veterans and Defenders | 3% |
| Internally displaced persons | 7% |
| Other citizens with no housing or with housing below the norm | 7% |
For war veterans, rate compensation is provided only for loans issued after the amendments made by Resolution No. 794 of 17 June 2026; it is not provided for earlier loans in this category. A family in the program means a husband and wife, including those who live together without a registered marriage, and their children under 21 who live with the applicant.
You cannot take part if:
- within 36 months before the application you or your family members sold housing such that, together with the housing you have, it would exceed the norm;
- you or adult family members have already had an active or repaid loan under these Terms or under a number of other state housing programs;
- you or your family members are under sanctions or have been recognized as oligarchs under the relevant law.
What Housing You Can Buy
You can buy an apartment, a residential house together with a land plot, or property rights to housing in a building under construction. The housing must be in Ukraine, but not in temporarily occupied territories or in areas of active hostilities. Summer cottages, garden houses and architectural monuments are not eligible. The age of the building also matters:
| Borrower category | What the building can be |
|---|---|
| Military, security forces, medical workers, teachers, researchers, veterans | No older than 20 years in the Chernihiv, Sumy, Kharkiv, Zaporizhzhia and Kherson regions; in other regions and Kyiv, no older than 3 years or still under construction |
| Internally displaced persons | No older than 20 years in all program regions |
| Other citizens | No older than 3 years or still under construction |
The standard area of an apartment is 52.5 m² for one person, 73.5 m² for a family of two or three, plus 21 m² for each additional member, but no more than 115.5 m². For a house it is 62.5 m², 83.5 m² plus 21 m², up to a maximum of 125.5 m². The area of housing completed no earlier than three years before the agreement may exceed the norm by no more than 10%, and for older housing it may not exceed it at all. The difference is paid out of the down payment.
Maximum Cost per 1 m²
The price per 1 m² must not exceed the indicative construction cost of housing in the region set by the Ministry of Development, multiplied by 2; the actual price may be higher by no more than 10%, and the difference is also covered by the down payment. As of 21 October 2026, the current figures were approved by Ministry of Development Order No. 1397 of 16 July 2026. For example:
| Region | Ministry of Development figure, UAH per 1 m² | Maximum cost for eOselia, UAH per 1 m² |
|---|---|---|
| Kyiv city | 31,802 | 63,604 |
| Kyiv region | 27,177 | 54,354 |
| Lviv region | 27,063 | 54,126 |
| Dnipropetrovsk region | 26,382 | 52,764 |
| Odesa region | 26,069 | 52,138 |
| Vinnytsia region | 26,239 | 52,478 |
So for one person in Kyiv, the maximum cost of a 52.5 m² apartment is UAH 3,339,210 (own calculation). The example on the program’s website is based on older figures, so go by the current order.
What Costs There Are Besides Interest
The borrower pays for registering the ownership, property insurance, valuation and the notary (clause 10 of the Terms). The Terms do not allow any other fees apart from the fee of up to 1% of the loan amount, nor any imposed services. Among one-time payments, the program’s website also lists the levy for compulsory state pension insurance; the amounts vary from bank to bank.
How to Apply
What you will need:
- the Diia app and a qualified electronic signature: the application is signed with it (clause 14 of the Terms);
- a taxpayer ID number (RNOKPP): according to the program’s website, the service cannot be used without it;
- a document confirming your category, for example a certificate from your main place of work or an IDP certificate;
- children’s birth certificates if they are not in Diia, and documents for the housing if the data was not pulled from the register;
- information on your net income for the last 3 months. Diia attaches the 6-month income certificate and the OK-7 statement to the application itself.
- Apply in Diia. According to the program’s website, there is no other way. The data is taken from registers, and adult family members who are counted in the calculation give their consent with their signature.
- Choose a bank. A family files one application with one bank; you do not need an account there.
- Receive an offer. According to the program’s website, the bank processes the application within 24 hours and sends an offer to Diia.
- Pass the bank’s check. Visit the bank in person with the original documents from the list it sends you. Tell the bank about income that is not in the registers, such as transfers from abroad: it may revise the terms.
- Choose the housing. Its value is determined by an appraiser or a bank employee holding an appraiser’s qualification certificate, and for a building under construction the bank checks the developer and the permits.
- Sign the agreements. The loan agreement, the mortgage agreement and the sale and purchase agreement: the housing is registered in your name, and the bank transfers the loan to the seller.
Participating banks according to the program’s website as of 21 October 2026: Oschadbank, PrivatBank, Globus Bank, Ukrgasbank, Sky Bank, Sense Bank, TASCOMBANK, BISBANK, Bank Credit Dnipro, RADABANK. This is not a ranking.
If It Does Not Work Out
- The bank refused. The bank assesses creditworthiness, debt burden and credit history under its own internal rules. You can cancel the application and file a new one with another bank, but first cancel all previous ones.
- You need to change the city or details in the application. Some banks allow you to change the locality during processing, but usually you will have to cancel the application and file a new one; the maximum cost per 1 m² will then be recalculated.
- You are unsure about the requirements. Check Resolution No. 856 on the Verkhovna Rada website and the questions on the program’s website, and clarify the details with the bank.
Risk. A mortgage is an obligation for years, and the housing is pledged to the bank. For a breach of the agreement, the bank may apply penalties, including a higher interest rate (subclause 2 of clause 10 of the Terms). Calculate your payment with a margin and do not pay intermediaries for “guaranteed approval”: you file the application yourself in Diia.
Frequently Asked Questions
Can pensioners get an eOselia loan?
Yes, if they are creditworthy and will be no older than 70 on the date of full repayment. According to the program’s website, some banks set a limit of 65. The preferential 3% rate is possible if the person still works in a position from a preferential category, for example a retired police officer who still serves in the police.
Can I buy an apartment larger than the norm?
Yes, but everything above the norm is paid for with the down payment. For housing completed no earlier than three years before the agreement, the area may exceed the norm by no more than 10%; for older housing it may not. An apartment over 115.5 m² or a house over 125.5 m² cannot be bought under the program.
Can I get an eOselia loan a second time?
No. The applicant and adult members of their family must not have any active or repaid loans under these Terms. The exception is if the housing bought earlier is located in combat areas or temporarily occupied territories, or has been destroyed.
Can a foreigner with a residence permit take part?
No. According to the program’s website, only citizens of Ukraine can take part.
