From 17 July 2026, updated eOselya terms apply for war veterans and families of fallen Defenders: the state compensates the interest rate to 3% per year for the first 10 years, and to 6% from year 11.
Who can use the preferential terms
- combatants;
- persons with disability caused by war;
- war participants;
- families of deceased war veterans defined by Article 10 of the Law of Ukraine on veterans’ status;
- families of fallen Defenders of Ukraine.
Key lending terms
- Rate: 3% for the first 10 years; 6% from year 11.
- Term: up to 20 years.
- Down payment: from 20% of the housing value; from 10% for borrowers under 26.
- Eligibility: Ukrainian citizenship, age 18+ at signing and no older than 70 at full repayment, solvency and a positive bank decision.
Please note. The 3%/6% veteran rate applies to new loans signed after CMU Resolution No. 794 entered into force. Earlier contracts are not switched automatically.
Normative floor area
Apartments: 52.5 m² for one person; 73.5 m² for a family of two or three; plus 21 m² for each additional family member from the fourth, capped at 115.5 m².
Houses: 62.5 m² for one person; 83.5 m² for a family of two or three; plus 21 m² for each additional member, capped at 125.5 m².
How to apply
- Open Diia → Services → eOselya → Submit application.
- Fill in the data, select one or more banks and confirm with Diia.Signature.
- Review bank offers and choose one.
- Complete document and solvency checks at the bank.
- Choose eligible housing, arrange appraisal and insurance, and finalize the loan with the bank and notary.
Additional support for veteran IDPs
If a veteran is also an IDP or has residence registered/declared in a frontline area and meets CMU Resolution No. 998, separate state support may cover up to 70% of the first contribution, up to 70% of monthly payments for 12 months (within annual caps), and up to UAH 40,000 for related bank fees. Support is not automatic and depends on eligibility, queue and funding.
