In August 2026, Ukrainian banks issued 722 mortgage loans totaling 1.54 billion hryvnia, which is 6.7% more than in July, when 710 loans totaling 1.44 billion hryvnia were issued, 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 is only 11%,” the regulator commented on the situation.
According to the central bank’s data, the volume of loans issued increased by 5.5% compared to August 2025.
As the National Bank specifies, among the 38 surveyed banks—which collectively account for over 95% of the gross mortgage portfolio—11 banks issued new loans in September.
In the primary housing market, 393 transactions totaling 839.2 million UAH were concluded in August, compared to 367 transactions totaling 730.4 million UAH in July. In the secondary market, there were 329 transactions totaling 702.4 million UAH, compared to 343 transactions totaling 714.0 million UAH, respectively.
The weighted average effective interest rate in the primary market rose to 7.7% per annum in August 2026 (7.64% in July), while in the secondary market it fell to 10.0% (10.06%).
Survey data show that the largest number of mortgage loans in August was issued in Kyiv and the Kyiv region—348 loans totaling 793 million UAH, or 51.5% of the total volume. Next came Lviv Oblast—61 loans totaling 141 million UAH, Ivano-Frankivsk Oblast—35 million UAH out of 67 million UAH, and Rivne Oblast—25 million UAH out of 56 million UAH.
