In the three years since the launch of the state mortgage " They have become more flexible, faster and accessible to a wide range of citizens than government programs with limited capabilities. By 2025, installment plans will cover from 65 to 90% of transactions with new buildings, while the share of state mortgages will be no more than 5-15%.

The program started in October 2022 with 470 loans issued - against the backdrop of war and late launch. In 2023, there was explosive growth - 5855 loans (+1145. 74%), caused by the high demand of preferential categories (military, doctors, higher professional education) and active promotion. But in 2024 growth slowed to 45. 43% (8515 credits). Despite additional capitalization of UAH 20 billion and the expansion of categories (IT, youth), the program encountered bureaucracy - about 70-90% of applications were rejected. For 9 months of 2025, the eOselya program issued 5,406 loans, which is 63. 48% of total loans for all of 2024, showing a decline of 20. 78% compared to the same period in 2024. According to analysts from the DIM group of companies, if the average monthly rate (600 loans) is maintained, by the end of the year the number of loans will be 7.2–8 thousand. , or about 90% of the 2024 figures. To restore to 2024 levels, simplification of procedures or additional funding is needed.

In total, during the program period (October 2022 – October 2025), 20,773 loans were issued for UAH 35 billion. The average cost of purchased real estate is UAH 2.35 million, average cost per m2. – 39,947 UAH, the average area of \u200b\u200bpurchased real estate is 57.4 m2, which indicates the orientation of the program towards economy and comfort class. Almost half of all transactions under the eOselya program (49.7%) occur in Kyiv and the Kyiv region, where the real estate market remains the most liquid and with a high concentration of demand. This is followed by Lviv (6.1%), Ivano-Frankivsk (4.7%) and Odessa (4.5%) regions. In the front-line regions (Kharkov, Zaporozhye, Sumy) the share of transactions does not exceed 1% due to military risks, in particular the likelihood of damage to housing, and difficult lending.

In 2025, the eOselya program has significantly expanded the number of participants compared to 2022. preferential loans at 3% are available for military personnel, security forces, doctors, teachers, scientists, war veterans, combatants, persons with disabilities due to war and families of the dead - they make up 60–70% of applications. Of these, 76% are military and security officials, 20% each are doctors and teachers, 4% are scientists.

Loans at 7% are intended for internally displaced persons (IDPs), IT specialists, public sector workers, young families under 35 years of age and citizens without their own home or with an area less than normal, which amounts to 25-30% of approved applications. At the same time, during the entire period of the eOselya program, only 14% of loans were received by higher education professionals, veterans – 7%, and other categories of citizens – 79%.

Despite the expansion of the eOselya program in 2025, it remains inaccessible to most citizens due to strict requirements and bureaucracy. Only 10–30% of applications are approved through automated selection in Dii and banks. 70–90% of refusals occur at the verification stages: application to "

Those who do not benefit from benefits, in particular entrepreneurs and informally employed people, have minimal chances, which makes the program accessible to only 10–15% of potential borrowers.

While the state program " Over the course of several years, they have actually replaced mortgages as the main method of purchasing housing in new buildings - they have become more flexible, faster in approval and have no category barriers, which makes them a key competitor to state mortgages.

In 2025, installment plans from developers will cover 65–90% of transactions with new buildings, while the share of state mortgages will account for only 5–15%.

The reasons for dominance are obvious:.

Thanks to this, up to 80% of Ukrainians who do not meet the eOseli criteria can purchase an apartment in installments.

Over the first 9 months of 2025, about 10–15 thousand installment transactions were concluded, and the demand for installment plans in comfort class increased by 30%. About 40% of all calls to sales offices in this segment relate specifically to installment programs.

To maintain demand and customers, developers in 2025 extended installment periods and reduced advance payments. Thus, the top ten leading developers in the capital region offer extended installment programs of up to 5-7 years, some have interest-free periods, at 0%, no hidden fees, with the possibility of early repayment. This is the trend of the year. At the same time, prices for apartments with installments are often 5–10% higher, which compensates the developer for interest-free financing.

According to analysts from the DIM group of companies, demand for long-term programs has increased by 25–30%, especially in the comfort class. Buyers are willing to pay large monthly payments for quick processing and no financial verification.

“Instalment payments have become the “new currency of the market” and have become the main mechanism for purchasing housing in new buildings. It is faster, more flexible and clearer for the buyer than a government mortgage. That is why more than two thirds of sales of new buildings in 2025 will occur through installments,” DIM emphasizes.