In Ukraine, they plan to reconsider the conditions of the єosel program and expand its availability for residents of front -line regions. The possibility of increasing financing is also considered through internal resources and international assistance.

This was announced by the People’s Deputy from the " According to August 2025, almost 18.7 thousand citizens used the program, and the amount of loans issued exceeded 31.1 billion hryvnias.

However, behind high numbers, a significant regional inequality is hidden, which, according to Getmantsev, requires immediate elimination. " But it works only for part of the country. People from the front -line regions are actually excluded from the mortgage process. It must be changed! "

The largest share of mortgage agreements is in the metropolitan region. In just seven months of 2025, almost 2.2 thousand transactions were concluded in Kyiv and the Kyiv region, which is 57% of all loans for this period. And since the start of the program, these two regions generated 49.3% of all mortgages.

" This is that other regions that have suffered greatly from the war have its right no less. But then - an absolute imbalance, ”the people's deputy emphasizes.

While in the central and western regions the program works relatively stable, it is almost impossible to take a mortgage in the south and easter of Ukraine. According to Getmantsev, statistics are shocking:.

In the Kherson, Donetsk and Lugansk regions, the program does not function at all due to hostilities. For comparison, only 50 loans were issued in the Transcarpathian region this year, and in the calm Rivne or Volyn regions, 1.7 times more than in all front -line regions combined together.

" The people's deputy is convinced that the program must not only be preserved, but scaled and updated, and not only technically, but also taking into account regional realities. " It should be really a national program - accessible to everyone, regardless of which region a person lives in, ”he said. Getmantsev offers two groups of sources to increase the financing of the program: “Demand for єosel is 10 times higher than the current features of the program. And this is the best proof of her demand.

But without scaling, the state loses the chance to restore residential infrastructure in the east and south of the country, ”hetmansa notes.

It is expected that part of these problems should solve the updated medium -term plan of Ukrfinzhitlo, which plays the role of the program operator, as well as the recently approved strategy for the development of mortgage lending to the NBU.

However, as the hetmans notes, all good plans must necessarily turn into real tools for access to housing. Otherwise, the program will turn into privilege for the capital instead of national support.