On 17 October 2026 the government introduced separate eOselia terms for young families. This is not a new programme but a separate set of terms inside the existing one, so the general requirements for the borrower are unchanged.
The rate, year by year
Seven percent for the first three years. Ten percent from year four through year ten. Twelve percent from year eleven.
For the first three years the rate matches the standard preferential terms, seven percent. After that it is higher. The advantage for a young family lies not in the rate itself but in the discount per child and in the right to exceed the area and price norms.
Two percentage points per child
Each child born or adopted after the loan is taken out cuts the rate by two percentage points, down to a floor of 0.1 percent.
Note the word "after": children already born when the loan is signed do not reduce the rate under this rule. The bank sets the recalculation procedure and the documents it needs.
Floor area and price up to forty percent above the norm
The standard limits on area and price may be exceeded by up to 40 percent, with the family paying the difference from its own funds.
Which housing qualifies
New buildings still under construction, and buildings commissioned no more than three years ago.
Internally displaced persons have a different limit, twenty years, and it applies in every region (eoselia.diia.gov.ua). Under the three-year limit Odesa has 963 apartments; under the twenty-year limit, 2 287.
The Odesa market
As of 22.10.2026, 963 apartments meet the three-year condition, 142 of them still under construction. The median price per square metre in new builds is 1 260 $, the middle of the list: half the apartments cost less, half cost more. Apartments in new builds sell from 21 044 $.
Private houses of the required age barely exist on the market, so in practice a young family chooses an apartment.
What official sources do not yet state
The borrower age limit, the size of the down payment and the date applications open are not published as of today. Confirm all three with a participating bank or in the Diia app.
What to check before applying
Whether the building you chose is on your own bank accredited list. Accreditation covers a specific complex and phase, not a developer as a whole.
Whether the commissioning year matches the three-year limit. Documents often state it differently for different sections of one complex, and your section is the one that counts.
Do the new terms combine with the preferential rate for military personnel and veterans?
They are separate sets of terms inside one programme. Which one works out better in your case is calculated by the bank from your documents.
A child was born a year after the loan was signed. When does the rate change?
The ground is a birth or adoption after the loan is taken out, and the bank sets the recalculation procedure. Take the child documents to your bank.
Can we buy an apartment priced above the norm?
Yes, up to 40 percent above the norm in both price and area, with the difference paid from your own funds.
Does a building completed four years ago qualify?
Under the general rule, no. The exception is for displaced persons, whose limit is twenty years.
Sources: government decision of 17.10.2026, kmu.gov.ua; programme terms, eoselia.diia.gov.ua. Author: Vadym Hutsu, head of FAKTOR agency.
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