The state programme ‘Youth Mortgage’ gives young Ukrainians under the age of 36 the opportunity to obtain a mortgage on preferential terms. In this article, we will look at who can take advantage of this programme, what restrictions exist, how to apply for a loan, and what nuances need to be taken into account.

Who can participate in the programme

Age: young people (usually up to 36 years old), sometimes up to 40 years old for scientists or specialists.

Housing needs: individuals or families who do not own their own home or whose living space is smaller than the standard.

Income: sufficient to ensure that each family member has a minimum subsistence level after the loan is paid off.

 

Documents and application stages

Submission of an application to an authorised bank or authority.

Confirmation of housing needs — by means of a certificate from the place of residence or from the registry office.

Passport, identification code, documents on marital status, birth of children.

Certificate of income, contracts or agreements, guarantees (if necessary).

Property valuation if the loan is used for purchase or construction.

Signing of agreements, payment of the first instalment, followed by monitoring of the fulfilment of obligations.

 

How the loan amount is calculated

The loan amount depends on:

the standard area per person or family,

the maximum permissible cost per square metre in the relevant region,

the valuation of the property being purchased or built.

 

Terms and conditions

The interest rate is fixed for the entire term (usually around 7% per annum).

The initial payment is from 6% and can be divided into stages.

The loan term is up to 20 years.

Age restrictions at the end of the repayment period — usually up to 55 years (women) or 60 years (men).

 

What can be purchased

The programme provides for the purchase of:

apartments in multi-storey buildings (construction, reconstruction),

individual houses — under special conditions.

 

Advantages and risks

Advantages:

lower price per square metre,

ability to plan payments,

investment prospects for property value growth,

potential state support in the form of compensation or guarantees.

 

Risks:

construction delays,

financial changes (inflation, variable rates),

the need for thorough legal verification of the developer.

Why you should pay attention to Alliance Novobud

Thanks to its experience in construction, transparent documentation and stable reputation, Alliance Novobud is a reliable partner for investing in real estate. The company already has projects under construction and completion, and actively covers construction dynamics, financial conditions and news in its blog.

Articles from the Alliance Novobud blog that may be of interest to you:

Mortgage lending reform: what will change and why it is important for home buyers — about legislative changes in the mortgage market.

How to buy an apartment at the foundation stage — advantages and benefits — about investing at an early stage of construction.

Key real estate market trends in 2025 — analysis of market strategies and price dynamics. (anbud.ua)

Taxes on gifting and selling an apartment — how not to overpay in 2025 — important information about taxation of real estate transactions.

 

Conclusion

The Youth Mortgage programme is a great opportunity for young Ukrainians to get their own home on favourable terms. But to be successful, you need to consider all the legal and financial aspects, assess the reliability of the developer and carefully choose the layout.

For more information, check out the Alliance Novobud blog articles, which provide in-depth analysis and practical case studies.