From February 9, 2026, the updated rules of the єOselya program come into force in Ukraine, which establish the maximum cost of apartments available for purchase on a mortgage with state support. In fact, it is these price limits that will determine what kind of housing can be purchased under the program.

" m applied only to a family of one person, and for each subsequent family member it was allowed to have an additional 21 sq.. That is, for example, a family of two, having an apartment of up to 73.5 square meters. m, was still eligible to participate in the program. From now on, a young family of two can apply for єOselya only if its property is less than 52.5 sq.. m of housing,” noted the banker.

“Previously, the Yosel program actually did not limit either the area or the cost of housing - the difference could be covered with a large down payment. Now the rules have become much stricter, and this radically changes the approach to choosing an apartment,” explains Dmitrieva.

According to the new rules, the price of housing within the eOseli is calculated based on the indirect cost of construction in the region with a permissible deviation of no more than +10%.

In Kyiv, the maximum price is about 66.2 thousand. UAH per sq.. For a family of three people, the standard area, taking into account the permissible excess, is 73.5 sq.. m, which gives the maximum cost of the apartment about 4.86 million UAH. Thus, an apartment with an area of \u200b\u200b80-90 sq.. m or with a price of more than 5 million UAH are no longer included in the program, even if the buyer is ready to make a larger down payment.

In Lviv, where market prices for new buildings are traditionally high, the permissible threshold is even stricter - approximately 4.14 million UAH per apartment under similar conditions. This means that a significant portion of new residential developments sold in 2025-2026 will not qualify for the program simply because of price..

In addition to the cost, there is also a limitation on footage:.

That is, even in regions with lower prices, a large apartment is automatically excluded from the program.

According to Ukrfinzhitla, in 2025, 64% of mortgage transactions on єOselya were for new buildings, and developers designed the majority of objects in 2024 - the first half of 2025, when there were no new limits yet. .

In fact, in 2026, the choice of housing in єOsele will be determined not by demand, but by the acceptable price. Some buyers may not find suitable options in new buildings and will be forced to:.

We are talking, first of all, about joint mortgage programs of banks and developers. Their rates are usually lower than conventional mortgages.. In addition, the bank separately checks the developer and the quality of his projects. In addition, at the end of January, the NBU lowered the discount rate for the first time in a long period, essentially starting a new trend that should affect interest rates on most loan products.