Mortgages in Ukraine in 2026: Rates Up to 9% and Where Loans Are Most Popular

Mortgages in Ukraine in 2026 remain affordable, with rates up to 9% per year. Find out how many loans banks have issued, where demand is highest, and what conditions are currently in effect in the real estate market

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As of early 2026, Ukraine’s mortgage market is showing stable growth, and interest rates remain relatively affordable. According to data from a monthly survey of banks, Ukrainians took out 718 mortgage loans in January totaling 1.5 billion UAH.

How many mortgage loans were issued in January 2026?

The primary market dominates the mortgage lending structure. Specifically, 416 loans totaling 861 million UAH were issued for the purchase of housing in new developments. Of these, 178 loans totaling 330 million UAH were secured by property rights to future real estate.

At the same time, the secondary market also remains active: 302 loans totaling 590 million UAH.

What are mortgage rates in 2026?

Weighted average mortgage rates remain below 9% per annum, which is a key factor for borrowers. As of January 2026:

● 8.15% per annum — in the primary market;

● 8.97% per annum — in the secondary market.

Banks assess the quality of the mortgage portfolio as stable. The share of non-performing loans stands at 13%, indicating a controlled situation in the market. This figure remains an important indicator for the financial system and confidence in mortgages amid economic uncertainty.

Parada: In addition to lending terms, it is important to consider risks associated with housing—especially during wartime. That is why an increasing number of homeowners are turning to property insurance. In particular, you can purchase express home insurance online via Visit Ukraine—this allows you to quickly protect your property from unforeseen situations without complicated procedures.

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Where in Ukraine are mortgages most actively taken out?

The highest activity in the mortgage lending sector is traditionally concentrated in large cities and regions with high demand for housing. Leaders by volume in January 2026:

● Kyiv Oblast — 222 contracts totaling 460 million UAH (32% of the total volume);

● Kyiv — 148 contracts totaling 336 million UAH;

● Lviv Oblast — 50 contracts totaling 115 million UAH;

● Ivano-Frankivsk Oblast — 34 contracts totaling 67 million UAH;

● Vinnytsia Oblast — 29 contracts totaling 60 million UAH.

We remind you! Mortgages under the “eOselya” program look attractive on paper, but in practice, the key conditions are the level of official income and the region where the property is being purchased. How much you need to earn for the bank to approve the loan, what portion of your salary goes toward the monthly payment, and where the down payment is highest—all of this directly affects the program’s actual affordability. Read what income is required to buy an apartment under the “eOselya” program in various cities across Ukraine.

Photo: wirestock / Freepik

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