Ukraine's eOselya Mortgage Program to Offer 3% Rates to Mobilized Soldiers Starting 2026.

Revisions to the eOselya Program

According to Novyny.live: Beginning in 2026, Ukraine's eOselya housing program for military personnel will be updated to extend its 3% annual mortgage rate not only to contracted soldiers but also to those who have been mobilized. This policy shift aims to improve housing access for service members in need of a home. The program is a key part of Ukraine's social support system for its armed forces and their families during the ongoing war.

The eOselya initiative sets specific limits on property size:

• For an apartment, the maximum area is 115.5 square meters.
• For a house, the maximum area is 125.5 square meters.

While these parameters define the scope of eligible housing, they still enable a significant number of service members to secure comfortable accommodation.

Program Implementation Results

Since its launch, the eOselya program has enabled 23,039 Ukrainian families to purchase their own homes. The total value of mortgages issued has surpassed 39.7 billion hryvnias, indicating strong demand for the initiative. Specifically, 11,185 of these loans were granted to military personnel, underscoring the program's significant uptake within this demographic.

Yuliia Svyrydenko, a government representative, noted that 'we are gradually adapting eOselya to meet the real needs of people.'

The changes to eOselya highlight the government's efforts to provide social support to service members and their families, particularly regarding the critical need for housing during a difficult period. Extending favorable mortgage terms to mobilized personnel could improve living conditions for a broader range of military families, potentially boosting morale and well-being. The program's success also demonstrates active demand for affordable housing in Ukraine, which may become a vital factor in the country's post-conflict recovery.