Ukraine's 'eOselia' Affordable Mortgage Program Imposes New Property Size and Asset Verification Rules.

Major Revisions to Ukraine's 'eOselia' Preferential Mortgage Program

According to Novyny.live: Significant new regulations for the 'eOselia' state-backed mortgage initiative will take effect on February 9, 2026, following the adoption of Government Resolution No. 1637. These changes introduce stricter limits on the size of eligible properties and a more rigorous asset verification process for applicants.

New Limits on Property Size

The revised program imposes the following maximum size restrictions for properties purchased under its preferential terms:

• For a single person or a couple, the maximum apartment size is 52.5 square meters.
• The maximum house size for the same group is 62.5 square meters.
• The absolute maximum apartment size cannot exceed 115.5 square meters.
• The absolute maximum house size is set at 125.5 square meters.
• For newly constructed buildings up to three years old, a 10% margin of error is permitted.

Furthermore, the asset verification period has been extended to 36 months. In the capital, Kyiv, the maximum price per square meter is now fixed at 66,178 hryvnias. This policy is part of a broader effort to manage housing affordability and market stability in a challenging economic environment. Consequently, the maximum eligible apartment price for a family of three in Kyiv is approximately 4.86 million hryvnias, while in Lviv, the cap is around 4.14 million hryvnias.

These new rules will also affect eligibility for the program. As noted by Olena Dmitrieva:

“Individuals who have sold an apartment within the last three years, and whose new housing, when combined with the sold property, exceeds the established limits, will not be able to use the preferential loan.”

Yevhen Metzger emphasized that the program is based strictly on official income documentation and does not consider unofficial earnings, a fundamental principle of 'eOselia'. Thus, the updated 'eOselia' rules aim to tighten the conditions for preferential lending, which may impact housing accessibility for certain segments of the population.

The revisions to 'eOselia' reflect the government's attempts to exert greater control over the housing market and ensure more transparency in the distribution of subsidized loans. While this new system of restrictions may pose challenges for those seeking affordable housing, it is also designed to prevent real estate speculation. In light of this, it is important to monitor further legislative changes that could affect Ukraine's mortgage landscape.