---
title: "єOselya Mortgage in 2026: New Rules, Restrictions on Luxury Housing, and Support for Families"
description: "The «єOselya» program in 2026 has changed the rules of the game: the state will no longer finance the purchase of luxury penthouses. However, families have received more square meters, while veterans and youth have gained new benefits. 🏠💰"
date: 2026-07-21T14:52:00.000Z
lang: en
url: https://xab.info/en/posts/yeselya-mortgage-2026-new-rules-restrictions-luxury-housing-support-families
tags: [yeselya, ukrfinzhyllya, evgeniy-metger, ukraine-mortgage, housing-program]
publisher: "XAB.info"
---

# єOselya Mortgage in 2026: New Rules, Restrictions on Luxury Housing, and Support for Families

![Miniature house and key on dollar bills — symbol of 'єОселя' mortgage in 2026: affordable housing for families, restrictions on luxury properties](https://xab.info/media/2026/07/21/ipoteka-yeselya-2026-novye-pravila-ogranicheniya-dlya-elitnogo-zhilya/ipoteka-yeselya-2026-novye-pravila-ogranicheniya-dlya-elitnogo-zhilya-1.webp)

In 2026, the state preferential mortgage lending program «єOselya» underwent significant changes. The main goal of the updates was to redirect state funds towards real social support for citizens rather than financing expensive real estate objects. This was stated in an interview by Yevhen Metsger, Chairman of the Board of JSC «Ukrfinzhyllya».

### Ban on purchasing luxury housing with state funds

One of the key innovations was the introduction of strict restrictions on purchasing luxury real estate. Previously, there was a practice where borrowers could obtain a preferential loan within the standard area limits and pay the difference with their own funds. This allowed for the purchase of apartments of 150 sq. m and above, including penthouses.

According to Yevhen Metsger, such a scheme contradicted the social logic of the program, which was created to help people acquire sufficient, not luxurious, housing. If a buyer is able to pay a significant part of the cost themselves, they are offered either to choose smaller housing or to apply for a commercial mortgage.

As a result, the government limited the total permissible excess of the standard area and housing cost for transactions under the «єOselya» program to 10%.

### Reducing the average ticket price to cover more families

«Ukrfinzhyllya» also decided to consciously reduce the average loan amount. If it previously amounted to 4–5 million hryvnias, the target indicator is now reduced to 1.9–2 million hryvnias. This strategic decision will allow financial assistance to cover significantly more families in need of housing.

### Expanding area standards for families

At the request of «Ukrfinzhyllya», the Cabinet of Ministers reviewed the area standards for young families. The initially established norm of 52.5 sq. m for families of one or two people proved insufficient for couples planning to have children.

Now, a family of two or three people can claim an apartment of up to 73 sq. m. At the same time, a child is counted as part of the family until they reach the age of 21.

### Benefits for vulnerable categories of citizens

The program has become more accessible to various layers of the population thanks to a number of concessions:

- **3% Rate:** The preferential rate, which initially applied only to career military personnel, is now extended to mobilized persons and veterans.

- **Down payment for youth:** For borrowers under the age of 25, a down payment of 10% applies.

- **Secondary market for IDPs:** For internally displaced persons, the possibility of purchasing housing on the secondary market has been expanded. Now, objects up to 20 years old are available to them.