Why Changes Are Needed

The “єOselya” program became one of the most successful housing initiatives in Ukraine. In 2025 alone, 1,345 families took out mortgages totaling more than UAH 2.4 billion, and overall the program has already helped over 16,185 households.

However, the program’s limitations — both technical and financial — revealed the need for a larger, systemic reform.

Goals of the New Strategy

The National Mortgage Development Strategy is designed for 2025–2029. Its main objectives are:

• expanding access to mortgages, especially for young families;

• supporting demographic growth through preferential lending for families with children;

• solving housing issues for those affected by the war, including mandatory housing insurance and legislative changes.
  
  
  

  What’s New Compared to “єOselya”

  Area	Previous Program	New Strategy
  Target Audience	IDPs, military, doctors, scientists	Expanded to include young people and families with children
  Guarantees & Insurance	Partial interest compensation	Mass housing insurance against war-related risks
  Legal Framework	Complicated bankruptcy procedures, especially when children are registered in the property	Simplified legal process and stronger creditor protections
  Financing Tools	State subsidies only	Development of securitization and mortgage bonds

Who Will Implement the Reform

The implementation of the mortgage strategy involves:

• National Bank of Ukraine,

• Cabinet of Ministers,

• National Securities and Stock Market Commission,

• Verkhovna Rada (legislative changes).

A detailed roadmap with specific steps will accompany the reform.

Why This Matters for Alliance Novobud Clients

Your benefits as a homebuyer:

1. Reliability – thanks to insurance mechanisms and clear legal frameworks.

2. Accessibility – more categories of Ukrainians will qualify for affordable mortgages.

3. Stability – the housing market will receive new financial instruments.

4. Confidence in the future – transparent rules make property investments safer.
   
   

   Final Thoughts

   The new mortgage strategy is a real step towards creating a full-fledged mortgage market in Ukraine. It opens broader opportunities for young families, IDPs, and all Ukrainians planning to buy a home. This is not just a program — it’s a long-term investment in the country’s future.

   Conclusion

   For those planning to purchase housing with Alliance Novobud, the mortgage reform means: more chances to get a loan on favorable terms, more security, and greater confidence in tomorrow.