Updated “eOselia” Program: Expanded Terms for Ukrainians

The state program for affordable mortgage lending is becoming broader and more flexible for Ukrainian families.

Key changes include:

• For war veterans and select families of fallen Defenders: a preferential rate of 3% is provided for the first 10 years, and 6% starting from the 11th year;
• Increased housing area limits for families of 2–3 people (from 52.5 m² to 73.5 m²);
• Children up to 21 years old are now counted as family members;
• The down payment can be covered using a housing certificate or housing voucher, in accordance with the terms of the respective programs.

For many buyers, this means more opportunities to choose an apartment that truly fits their needs in terms of size, location, and budget.

The core logic of “eOselia” remains unchanged:

• Maximum loan term — up to 20 years;

• Minimum down payment — from 20%;

• For borrowers aged 25 and under — the down payment can start from 10%.

At Perfect Group, we will help you navigate the program’s terms, select the right apartment, and guide you through the next steps. Contact