In 2026, Ukraine’s state-backed mortgage program eOselia enters a new phase. Updated rules coming into force in February are reshaping financing mechanisms, banking requirements, and eligibility criteria for residential property purchased with government support.

The program is evolving from a mass-market solution into a structured and risk-controlled mortgage instrument, focused on social impact and liquid housing, particularly apartments in new residential developments.

Why eOselia Rules Are Changing

At the end of 2025, the government recapitalized Ukrfinzhytlo with UAH 30 billion, creating long-term financial stability for the program.

This allowed authorities to:

• secure mortgage financing for several years ahead;
• improve predictability for banks and buyers;
• shift eOselia from a crisis response to a long-term housing policy tool.

Key Changes to eOselia in 2026

Preferential rates for military personnel

From January 10, 2026, mobilized soldiers gained access to 3% mortgage rates, equal to contract service members.

Property size limits

From February 9, 2026:

• apartments — up to 115.5 sq m;
• houses — up to 125.5 sq m.

This supports demand for compact, affordable, and liquid housing.

Flexibility for new developments

For primary market housing up to 3 years old, buyers may exceed:

• standard area by up to 10%;
• price per square meter by up to 10%;
• total property value by up to 10%.

New household area calculation

A new formula introduces:

• 52.5 sq m (apartments) or 62.5 sq m (houses) for 1–2 persons;
• +21 sq m for each additional family member.

Impact on the Real Estate Market

The updated eOselia rules clearly prioritize:

• owner-occupiers over investors;
• new residential developments;
• sustainable mortgage lending.

For buyers, this means stable and predictable mortgage conditions.
For developers, it ensures steady demand for qualifying residential projects.

Conclusion

In 2026, eOselia becomes a cornerstone of Ukraine’s housing strategy. The program balances social support with financial discipline, offering long-term stability to both homebuyers and the real estate market.