22.04.2026

Kyiv on the verge of change. Will “eOselia” keep up with the capital’s pace?

Today, Kyiv finds itself at the epicenter of discussions regarding the future of the 'eOselia' state affordable mortgage program. Despite the fact that the capital traditionally leads in the number of applications submitted, the actual market situation is forcing experts and potential borrowers to question the program's viability within the metropolis.

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The core difficulty lies in the critical mismatch between the program’s established price caps and the actual market value per square meter in Kyiv.

Oleksii Koval, CEO of Perfect Group, shared his expert opinion on the matter. Currently, developers are forced to adapt to new stringent restrictions, while a potential shortage of affordable apartments looms. Statistics for the first quarter of 2026 are already available, reflecting the real state of affairs.