In April 2025, Ukrainian banks issued 458 mortgage loans in the amount of UAH 834.8 million, which is 5.1% more than in March, when 427 loans were issued for UAH 689.4 million, according to the results of a monthly survey by the National Bank of Ukraine (NBU).
“The quality of the mortgage portfolio is good: the share of non-performing loans remains at 15%,” the NBU commented on the results.
According to the central bank, the volume of loans issued has almost halved compared to April 2024. According to the NBU, out of 38 banks surveyed, 11 financial institutions issued mortgage loans in March. Most of the deals were made in the primary housing market: 261 in April for the amount of UAH 492.2 million, compared to 232 in February for the amount of UAH 436.5 million. On the secondary housing market, 197 transactions were concluded for UAH 342.5 million, while in March the number of transactions amounted to 195 for a total amount of UAH 358.1 million.
The weighted average effective interest rate in April did not actually increase to 8.01% p.a. from 8.00% in February.
The survey data show that most loans were issued in Kyiv and Kyiv region in April – 259 for UAH 511.9 million (34.5% of the total volume). They are followed by: Lviv region – 26 loans worth UAH 48.8 million, Ivano-Frankivsk region – 17 loans worth UAH 30.8 million, and Dnipropetrovs’k region – 16 loans worth UAH 28.9 million.
