Ukraine to Offer Mobilized Personnel 3% Mortgages Under Revised 'YeOselya' Program from 2026.

Revised 'YeOselya' Program Terms for Military Families

According to Novyny.live: Starting in January 2026, mobilized personnel and military families in Ukraine will gain access to new terms under the preferential mortgage program 'YeOselya'. This initiative is a significant expansion of state support for those serving in the Armed Forces of Ukraine. Under the new conditions, mobilized individuals will be eligible for a mortgage with a 3% interest rate for the first ten years.

The 'YeOselya' program was originally established for military families, and its updated terms now broaden its reach. A key addition is the inclusion of mobilized personnel, granting them access to the most favorable mortgage rates. As Yevhen Metzger, a program representative, stated,

"We have added mobilized personnel. Not only career military and contract servicemembers will be able to use the most preferential mortgage at 3%. Mobilized individuals will as well."

Program Lending Conditions

In addition to the 3% rate for the first decade for career military and mobilized personnel, the program offers other terms:

• Youth under the 'Contract 18-24' project are eligible for a 0% annual rate.
• Veterans, combat participants, and families of fallen heroes can obtain a mortgage at 7% for the first ten years, after which the rate becomes 10%.

Financing under the 'YeOselya' program is available for up to 20 years. The required down payment will start at 10% for individuals under 25, and at 20% for other categories. The maximum property size eligible for the preferential mortgage is 115.5 square meters for an apartment and 125.5 square meters for a house.

This housing initiative is part of broader efforts to support Ukrainians defending the country. The new 'YeOselya' terms thus create tangible opportunities for mobilized individuals and military families, underscoring state support during a challenging period.

The introduction of these revised program conditions reflects the state's increasing focus on the needs of military families and mobilized personnel in Ukraine. Amid ongoing wartime challenges, this initiative represents a significant step in providing social support and improving housing conditions for those defending the nation. Offering preferential mortgage lending could stimulate not only home purchases but also boost economic activity in related construction and real estate sectors.