The Ukrainian government has expanded the єОселя affordable mortgage program to include private houses and townhouses, not just apartments. This opens up new opportunities for families seeking more space or a different lifestyle.
What’s New:
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Eligible property types now include private homes and townhouses (excluding summer cottages or garden houses not zoned for residential use).
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Maximum loan area has been adjusted:
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For one person — up to 62.5 m²
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For each additional family member — +21 m²
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Example: A family of three can get a loan for a home up to 104.5 m².
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Price limits per square meter have been updated to reflect market realities:
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Lowered for major cities like Kyiv, Dnipro, Lviv, Odesa, and Kharkiv.
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Increased for towns with populations under 100,000 — from a coefficient of 1 to 1.7.
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Veterans and families of fallen soldiers can now purchase apartments in buildings commissioned more than 10 years ago (in Kyiv and regional centers), with no age limit in smaller towns.
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Insurance options now allow coverage at the purchase price.
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Repeat participation in the program is restricted.
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Housing certificates from the “Restoration” program can be used, with the buyer covering any price difference out-of-pocket or via credit.
If you’re considering applying for “YeOselya”, we can help you find a property that fits the program’s criteria — and your lifestyle.
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