State programsEOselia

eOselia: programme terms and the payment calculator

All Odesa listings eligible for eOselia: flats, houses and complexes, 3% and 7% terms, payment calculator.

  • 3% or 7% a year
  • down payment from 20%
  • term up to 20 years
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All Odesa listings in this selection: flats, houses and new builds together.

eOselia: state mortgage at 3% or 7% a year for the first ten years, then 6% or 10%. Term up to 20 years, down payment from 20% of the price. The bank checks the price per square metre: it cannot exceed twice the indicative housing cost in Odesa region. Only listings marked by an agent as eligible for state programs are shown here. More about the terms

Resale homes qualify too: the building is up to 3 years old, up to 20 years for IDPs and frontline communities. Flat area norm: 52.5 m² for one or two people, 73.5 m² for three, plus 21 m² for each next person, up to 115.5 m². Estimate the payment below and confirm the terms for your category with the bank.

Mortgage in Odesa: bank terms and calculator

eOselia calculator

Programme

The 3 per cent rate is for contract military, defenders, security forces and their families, and for doctors, teachers and researchers in the state and municipal sector. Everyone else, including displaced persons, gets 7 per cent.

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Terms as of 31.07.2026. Confirm the rate for your category in Diia when you apply.

Listings under eOselia

  • Cheapest first
  • Most expensive first
  • Newest first
Apartment for sale 3-room apartment, 78 m², Moldavanka
70 000 $ 898 $ / m²
Kompozytora Nischynskoho
Odesa, Khadzhybeiskyi, Moldavanka
3 rooms6/978 m²
Apartment for sale 4-room apartment, 85 m², Tairova
53 000 $ 624 $ / m²
Akademika Viliamsa
Odesa, Kyivskyi, Tairova
4 rooms12/1685 m²
Apartment for sale 2-room apartment, 53 m², Fontan
68 000 $ 1 284 $ / m²
Seminarska
Odesa, Prymorskyi, Fontan
2 rooms4/453 m²
Apartment for sale 3-room apartment, 67 m², Fontan
75 000 $ 1 120 $ / m²
Fontanska Road
Odesa, Prymorskyi, Fontan
3 rooms14/1667 m²
House for sale 8-room house, 258 m², Ovidiopolskyi
190 000 $ 737 $ / m²
Mykoly Trojitskoho
Ovidiopolskyi, Lymanka
8 rooms258 m²11 ares
Apartment for sale 2-room apartment, 119 m², City centre
75 500 $ 635 $ / m²
Kanatna
Odesa, Prymorskyi, City centre
2 rooms4/4119 m²
Apartment for sale 1-room apartment, 61 m², City centre
135 000 $ 2 214 $ / m²
Hretska
Odesa, Prymorskyi, City centre
1 rooms4/1261 m²
Apartment for sale 3-room apartment, 50 m², City centre
73 000 $ 1 460 $ / m²
Velyka Arnautska
Odesa, Prymorskyi, City centre
3 rooms4/450 m²
Apartment for sale 2-room apartment, 42 m², Cheriomushky
34 000 $ 810 $ / m²
Tsentralnyi Aeroport
Odesa, Khadzhybeiskyi, Cheriomushky
2 rooms2/442 m²
Apartment for sale 1-room apartment, 43 m², Kotovskoho
37 500 $ 873 $ / m²
Semen Paliy
Odesa, Peresypskyi, Kotovskoho
1 rooms11/1643 m²
House for sale 6-room house, 150 m², Hrybivka
340 000 $ 2 267 $ / m²
Primorskaya
Ovidiopolskyi, Hrybivka
6 rooms150 m²10 ares
House for sale 6-room house, 100 m², Nerubaiske
85 000 $ 850 $ / m²
Novonerubaiska
Biliaivskyi, Nerubaiske
6 rooms100 m²10 ares
House for sale 4-room house, 128 m², Fontan
250 000 $ 1 954 $ / m²
Fontanska Road
Odesa, Prymorskyi, Fontan
4 rooms128 m²3 ares
Apartment for sale 1-room apartment, 38 m², Kotovskoho
45 000 $ 1 185 $ / m²
Mykolaivska Road
Odesa, Peresypskyi, Kotovskoho
1 rooms5/938 m²
House for sale 5-room house, 83 m², Blahodatne
50 000 $ 603 $ / m²
Ivana Franka
Rozdilnianskyi, Blahodatne
5 rooms83 m²36 ares
Apartment for sale 1-room apartment, 25 m², City centre
31 900 $ 1 276 $ / m²
Voznesenskyi Lane
Odesa, Prymorskyi, City centre
1 rooms1/325 m²
Apartment for sale 3-room apartment, 60 m², Naberezhne
29 000 $ 484 $ / m²
Yelysieieva
Biliaivskyi, Naberezhne
3 rooms3/560 m²
Apartment for sale 1-room apartment, 33 m², Cheriomushky
37 000 $ 1 122 $ / m²
Henerala Petrova
Odesa, Khadzhybeiskyi, Cheriomushky
1 rooms1/533 m²
House for sale 4-room house, 80 m², Kholodna Balka
68 000 $ 850 $ / m²
Prylymanska
Biliaivskyi, Kholodna Balka
4 rooms80 m²10 ares
House for sale 3-room house, 83 m², Lenposelok
45 000 $ 543 $ / m²
Motornyi Lane
Odesa, Khadzhybeiskyi, Lenposelok
3 rooms83 m²3 ares
Apartment for sale 3-room apartment, 67 m², Kotovskoho
65 000 $ 971 $ / m²
Semen Paliy
Odesa, Peresypskyi, Kotovskoho
3 rooms10/1067 m²
House for sale 4-room house, 180 m², Slobidka
89 000 $ 495 $ / m²
2nd Vynohradna
Odesa, Khadzhybeiskyi, Slobidka
4 rooms180 m²5 ares
Apartment for sale 2-room apartment, 56 m², Fontan
65 000 $ 1 161 $ / m²
Admyralskyi Avenue
Odesa, Kyivskyi, Fontan
2 rooms5/556 m²
Apartment for sale 2-room apartment, 45 m², Peresyp
22 000 $ 489 $ / m²
Baltska Road
Odesa, Peresypskyi, Peresyp
2 rooms1/345 m²
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