The head of the parliamentary committee on finance, tax, and customs policy, Danylo Getmantsev (Servant of the People faction), announced the first meeting of the interdepartmental parliamentary-governmental working group on the implementation of the affordable housing construction program.
“The state should assume the inflation risks in this model. The key instrument should be a state mortgage at 3% per annum for a term of up to 25 years,” he wrote on his Telegram channel.
According to him, the meeting participants agreed that the mortgage system in Ukraine is “critically underdeveloped” and that the ratio of mortgage lending to GDP is one of the lowest in Europe (less than 1%).
Getmantsev stressed that the housing program is designed for approximately 1 million families, and potential participants include military personnel, teachers, medical workers, internally displaced persons, large families, and social workers.
At the same time, the implementation of the program should not lead to the creation of isolated housing estates, and new housing should be integrated into communities.
The working group has been tasked with preparing proposals for financing the program through bank loans, the issuance of mortgage bonds, assistance from international partners, and the issuance of government bonds. He said the next step would be an open dialogue with representatives of the construction industry to develop “balanced and realistic solutions.”
As reported, partner banks of the state affordable mortgage program “eOselya” issued a total of 7,769 loans in 2025 for almost UAH 15 billion, including 4,881 loans for “first sale” housing, including 1,499 apartments in buildings under construction.
