How to Buy an Apartment via yeOselya: Step-by-Step Guide for 2025

 

The yeOselya program has become one of the most popular government initiatives in housing financing. Thousands of Ukrainians have already used it to buy their dream apartment on favorable terms. But the participation process isn’t always straightforward. In this article, we explain how to buy an apartment via yeOselya: step-by-step, clearly, and with practical tips.

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What is yeOselya?

yeOselya is a government mortgage program that enables specific categories of citizens to purchase housing at a preferential interest rate: from 0% to 7% per annum. The application can be submitted through the Diia app, making the process as convenient and transparent as possible.

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Who can use the program?

As of 2025, eligibility extends to:

• Military personnel and security sector employees;

• Healthcare professionals, teachers, scientists, civil servants;

• Young citizens under 35 who are officially employed;

• Combat veterans and internally displaced persons (IDPs).

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How to Buy an Apartment via yeOselya: Step‑by‑Step Algorithm

• 1. Verify your eligibility

  Before submitting an application, make sure you:

  • Belong to one of the allowed categories;

  • Have an official income;

  • Do not own other real estate, or it doesn’t exceed the limit.

  Tip: Even if you’re unsure, apply anyway — the system will automatically verify your eligibility.

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  2. Submit application through Diia

  In the Diia app, select the yeOselya section and complete the form. Provide:

  • Passport details;

  • Tax ID (IPN);

  • Category;

  • Income (automatically pulled from tax registers);

  • Contact information.

  Your application is forwarded to partner banks (e.g., Oschadbank, UkrGasBank, Globus, PrivatBank — list is updated).

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  3. Wait for bank response

  The bank reviews your creditworthiness and documents. If all checks out — you receive pre‑approval. This means you can start looking for an apartment.

  Processing time: typically 7–30 days, depending on the bank and workload.

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  4. Find a qualifying apartment

  The housing must meet these requirements:

  • Area: up to 52 m² per person + 21 m² per each additional family member;

  • Price: within regional market value;

  • Condition: habitable;

  • Market: primary or secondary — depending on participant category.

  Realtor’s tip: Work with an agency familiar with the program’s specifics. It will save time and reduce errors.

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  5. Apartment appraisal & document check

  After choosing a property:

  • Order an independent valuation;

  • Check ownership rights;

  • Prepare documents for the notary.

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  6. Final approval & signing contracts

  The bank conducts final checks on the property and documentation. Once approved, you sign:

  • The loan agreement;

  • The sale‑purchase agreement;

  • The mortgage agreement (property as collateral).

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  7. Funds transfer & property registration

  The bank transfers funds to the seller. The buyer registers ownership in the State Register of Property Rights.

  You are now the happy owner of an apartment via yeOselya

Costs and loan terms

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