• 8 July 2023

Only 4% of the participants of the "eOselya" program received housing on credit

Only 4% of citizens who participated in the "eOselya" program have received a home loan so far. This is reported by Opendatabot.
The largest number of loans was issued in June 2023 - 493 loans in the amount of UAH 722 million. This is almost a third of the total number of issued mortgages. The average loan amount is UAH 1.37 million.
From October 2022 to June 2023, inclusive, 1,666 subsidized mortgages for a total of UAH 2.28 billion were issued under the YeOsel program.
During the existence of the "eOselya" program, 43,939 citizens submitted 139,846 applications. Such a number of applications is due to the fact that one person can apply to different banks at the same time.
As of the end of June, banks approved more than a third of all applications - 47,578. The peak falls on June - when banks approved 30% of the total number of issued loans in the amount of UAH 722 million.
The most issued mortgages:

• military personnel - 605, or 36%;
• police officers - 582, or 35%;
• medical workers - 10% of the total number of soft loans.

38% of the total number of loans were issued in Kyiv region and Kyiv: 409 (24%) and 233 (14%), respectively. Volyn also made it to the top - 119 credits, or 7%.
Even people who wanted to buy a house in Crimea applied for a mortgage at "eOselya" - 10 applications, for which not a single loan has been issued so far.
Ukrainians mainly use the program for the purchase of secondary housing - 1,127, or 68% of the total number of loans issued, went to the "secondary". Almost a third - 32%, or 536 loans - were issued for the purchase of housing in the primary market. Rights to unbuilt property are bought back the least - so far only 3 loans have been issued for purchase from a developer.
Loans under the "eOselya" program are issued by 5 banks: Oschadbank, Ukrgasbank, Privatbank, "Sky" and "Globus". Financing was mostly issued by state banks.

• Oschadbank issued 923 or 55% of mortgages;
• Ukrgasbank - 376, or 23%;
• Privatbank - 334 loans, or 20%.

https://budport.com.ua/news/26983-lishe-4-uchasnikiv-programi-yeoselya-otrimali-zhitlo-v-kredit-info...

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