Only 1% of applications for E-Oselya received preferential loans
Nearly half of the loans were issued in Kyiv and the Kyiv region
22 March 2024
The E-Oselya program has been running for almost 1.5 years, and during this time, approximately 600,000 applications for preferential mortgages have been recorded. However, only 1% of the applications receive loans. According to Ukrfinzhytlo, 44% of all loans issued under the program are provided by Oschadbank. Additionally, nearly half of the loans are issued in Kyiv and the Kyiv region.
Over the one and a half years of the E-Oselya program’s operation, Ukrainians submitted 576,303 applications for preferential housing loans. However, only 1% of these applications were approved for loans. By the end of February 2024, 7,605 loans totaling over 11.6 billion UAH had been issued.
Currently, only 1 out of every 76 applications receives housing loans under the E-Oselya program.
In total, the E-Oselya program involves 7 banks, five of which are state-owned — Oschadbank, Privatbank, Ukrhazbank, Ukreximbank, and Senses Bank, and two are privately owned — Globus and Sky Bank.
Preferential housing loans are most commonly issued by Oschadbank, accounting for 44% or nearly every second loan issued.
97% of all issued loans are attributed to 3 banks: Oschadbank (44%), Privatbank (30%), and Ukrhazbank (23%).
| Oschadbank | 3,362 | 44.2% |
|---|---|---|
| PrivatBank | 2,269 | 29.8% |
| UkrGasBank | 1,777 | 23.4% |
| Sky bank | 137 | 1.8% |
| Globus | 30 | 0.4% |
| UkrEximBank | 16 | 0.2% |
| Sens Bank | 14 | 0.2% |
The average loan amount under the “Oselia” program is 1.5 million hryvnias. And the majority of loans—almost half or 45%—are issued in Kyiv and the Kyiv region.
Source: Opendatabot
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