Military Personnel Can Now Get a Mortgage at Just 3%: Key Updates to the 'eOselia' Housing Program.

What the 'eOselia' Program Offers to Service Members

According to Novyny.live: Ukraine's 'eOselia' initiative gives military members access to home loans under preferential terms, but it also comes with specific risks and eligibility hurdles. The program features loans with an annual interest rate of just 3%, yet applicants must meet strict conditions to qualify.

A minimum down payment of 20% of the chosen apartment's price is required to join the program. Borrowers also need to set aside an extra 5–7% of the property's value to cover notary services, property appraisal, insurance, and bank fees. These upfront costs can be a significant barrier for some service members hoping to take advantage of the scheme.

Program Conditions and Recent Changes

For those who successfully secure a loan, the standard allocation is 52.5 square meters of living space per person, with an additional 21 square meters for each subsequent family member. However, starting February 9, 2026, the program's terms will become stricter, raising concerns among many prospective borrowers.

The government has also reduced the financial burden for medical workers, researchers, and military personnel, aiming to support these groups in purchasing homes. Despite the favorable conditions, loan rejections remain common. The main reasons include:

• insufficient income;
• a poor credit history for the borrower.

“We deliberately made the program more concessional for certain categories”

- Yevhen Metzger

The 'eOselia' program holds promise for helping military members solve their housing needs, but its terms and associated risks demand careful consideration before committing to a loan.

This housing initiative represents an important step in supporting service members who face challenges in buying a home. While the preferential conditions are beneficial, the financial requirements may still limit access to credit, highlighting the need for further program refinements to ensure its effectiveness. The government must address these issues to maximize the initiative's impact and back those who have dedicated themselves to service.