Apartments under the yeOselia Programme in Odesa
Flats only: the district, rooms and price filter works on this same page.
Flats under state programs: 553 of 5 837 for sale
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.
eOselia calculator
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.
No interest; if the developer adds a markup, the payment will be higher.
Approximate, without bank insurance and fees.
Show flats within this paymentTerms as of 31.07.2026. Confirm the rate for your category in Diia when you apply.
Listings under eOselia
Real estate agency
Apartments eligible for the eOselia programme
eOselia is the Ukrainian state programme of subsidised mortgage lending. It allows eligible categories of buyers to purchase housing at a reduced rate, which keeps demand for qualifying properties consistently high.
Not every apartment qualifies: the requirements cover the age of the building, floor area per family member, the price of the property and the status of the seller. Selecting for this programme therefore always means working from a restricted list, and narrowing it early saves weeks of pointless viewings.
How we handle it
First we establish which category and which conditions apply to you, and only then build the selection. After that we check each property against the housing requirements and for legal cleanliness, so that the bank does not reject the deal after a deposit has already been paid.
Programme terms change periodically, rates, price caps, housing requirements and eligible categories. We verify current conditions before every transaction, and we recommend confirming them with the partner bank immediately before submitting documents.
For you
How we will help you
- Search by budget and districtWe send options that are actually on sale today.
- Viewings with an agentThe agent goes with you and shows the property on site.
- Document checks and support to registrationWe take the deal from the deposit to the notary and registration of title.
- Valuation and sale of your propertyWe suggest a price based on similar listings and handle the viewings.
FAQ
Frequently asked questions
Which properties qualify?
Requirements relate to the building’s age, area, price and the seller’s status, and they change over time. We check each property against the current terms before submission.
How long does a programme purchase take?
Longer than a cash purchase, bank review and property verification are added to the process. Plan accordingly.
Can a new-build apartment be bought under the programme?
That depends on the current terms and the status of the building. We check this before viewings begin.
How much does an apartment in Odesa cost?
Right now this section runs from 16 000 $ to 190 548 $. The price depends on the district, the floor, the condition and whether it is a new development. The exact price is on each listing page.
How many apartments are for sale in Odesa?
Currently 553. The list is updated daily: a sold property leaves it the same day the agent takes it down.
How do I arrange a viewing?
Leave your number in the form next to the listing or call us - the agent will arrange a time with the owner and show the property with you.
How current are the listings?
The listings come straight from our own database, not from third-party boards, and are updated daily. If something looks wrong, each listing page has a "Suggest a correction" link.