In 2025, Ukrainian banks issued 8,282 thousand mortgage loans worth UAH 15.69 billion, which is 4.3% more than in 2024, when 8,807 thousand loans worth UAH 15.05 billion were issued, while the number of loans issued decreased by 6.0%, according to the results of a survey by the National Bank of Ukraine (NBU).
“The quality of the mortgage portfolio remains high: the share of non-performing loans is only 13%,” the regulator commented on the results.
According to the National Bank, in December 2025, 952 mortgage loans were issued in Ukraine for UAH 1.96 billion, which is 28.3% more than in November, when 743 loans were issued for UAH 1.52 billion.
As specified by the NBU, out of 38 banks surveyed, 14 financial institutions issued mortgage loans in December last year. Most of the deals were concluded in the primary housing market: 539 in December for UAH 1.13 billion, compared to 434 in November for UAH 0.91 billion.
On the secondary housing market, 413 deals were concluded for UAH 0.83 billion, compared to 309 in November for UAH 0.61 billion.
The weighted average effective rate in the primary housing market in December 2025 decreased to 8.11% per annum (8.14% in November), and in the secondary market to 8.66% (9.42%).
Survey data show that in December 2025, most loans were issued in Kyiv and the Kyiv region – 538 for UAH 1.18 billion (60.1% of the total volume), followed by Lviv region – 47 loans worth UAH 103 million, Odesa region – 40 loans worth UAH 78 million, and Volyn region – 38 loans worth UAH 69 million.
As reported, partner banks of the state affordable mortgage program “єОселя” issued a total of 7,769 loans worth almost UAH 15 billion in 2025, including 4,881 loans for “first sale” housing, including 1,499 apartments in buildings under construction.
