Mortgages in Ukraine: programmes and rates 2026
Ukraine's 2026 mortgage market runs on two parallel tracks. The state eOselya programme — 3% APR for military/medical/teachers, 7% for general citizens, through 9 partner banks. Limits: up to UAH 2M in Kyiv, 1.3–1.7M elsewhere, minimum 20% down payment. Regular mortgages — no state subsidy, 14–24% APR, available at all 14 banks offering mortgage products.
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Calculated using the standard annuity formula. Doesn't account for upfront fees, insurance, or servicing charges. The real cost may be higher — verify with the bank before signing.
Comparison across 20 Ukrainian banks
Sorted from lowest rate. All banks hold active NBU licences.
| Bank | Regular | єОселя |
|---|---|---|
| C Credit Agricole Bank | 14–19% | ✓ 3-7% |
| R Raiffeisen Bank | 15–19% | ✓ 3-7% |
| U Ukrgasbank | 15–20% | ✓ 3-7% |
| O OTP Bank | 15–21% | ✓ 3-7% |
| U UkrSibbank | 15–20% | — |
| O Oschadbank | 16–22% | ✓ 3-7% |
| P PUMB | 16–22% | ✓ 3-7% |
| S Sense Bank | 16–22% | ✓ 3-7% |
| K Kredobank | 16–21% | ✓ 3-7% |
| P Pivdenny Bank | 16–22% | — |
| T TASkombank | 16–21% | ✓ 3-7% |
| B Bank Lviv | 16–22% | — |
| P PrivatBank | 18–24% | ✓ 3-7% |