Banks in Ukraine in September 2025 issued 851 mortgage loans worth UAH 1.62 billion, which is 13.1% more than in August, when 789 loans worth UAH 1.43 billion were issued, according to the results of the monthly survey of the National Bank of Ukraine (NBU).
“The quality of the mortgage portfolio remains high: the share of non-performing loans is kept at 12%,” the National Bank commented on the results.
According to the central bank, compared to September 2024, the volume of loans issued increased by 35.4%.
As specified by the NBU, among the 39 banks surveyed, together forming more than 95% of the gross mortgage portfolio, in September new loans were issued by 14 financial institutions.
Most transactions were concluded in the primary housing market: 532 in September for the amount of UAH 1 billion against 480 in August for the amount of UAH 0.89 billion.
In the secondary housing market, 319 transactions were concluded for UAH 0.62 billion, while in August – 309 transactions totaling UAH 0.54 billion.
The weighted average effective rate in the primary market in September remained at the level of 8.13% per annum, while in the secondary market it increased to 9.37% from 8.99% in August.
The survey data show that the most loans in September were issued in Kyiv and Kyiv region – 458 for UAH 949 mln (58.6% of the total volume). Next come Lviv region – 46 for UAH 95 million, Ivano-Frankivsk region – 53 loans for UAH 90 million and Volyn region – 35 for UAH 61 million.
As reported, the National Bank on July 18 this year released a strategy for the development of mortgage lending. The document prioritizes risk reduction through the launch of mass insurance of war risks and updating the rules in the field of housing construction.
The strategy also provides for easier access to mortgages through modernization of state support mechanisms and increased transparency of information in accordance with EU requirements, as well as strengthening the protection of creditors’ rights by updating procedures for dealing with bad debts.
