The Kyiv region accounted for the largest share of new housing loans
In July 2026, Ukrainian financial institutions signed 710 mortgage agreements totaling UAH 1.4 billion. The lending process, involving 14 banks, shows a gradual decline in activity compared to the spring figures. This was reported by Delo.ua citing the Telegram channel of National Bank of Ukraine, according to the portal PromPolitInform.
The highest volumes of mortgage lending were recorded in the Kyiv region, where 265 deals worth UAH 543 million were processed, accounting for 38% of the nationwide total. In Kyiv city, 87 agreements were signed for UAH 209 million. Other active regions include the Lviv (52 loans for UAH 130 million), Vinnytsia (28 for UAH 58 million), and Volyn (25 for UAH 54 million) regions.
Real Estate Market Distribution
The primary housing market received 367 loans totaling UAH 730 million in July, with 134 deals worth UAH 253 million involving the purchase of property secured by future property rights. The secondary market accounted for 343 loans amounting to UAH 714 million. The average effective interest rates were 7.64% per annum for new construction and 10.06% for the secondary market.
Mortgage Market Trends
Current data indicate a downward trend in new mortgage lending: in April, banks issued 910 loans for UAH 1.7 billion, followed by 776 for UAH 1.53 billion in May and 763 for UAH 1.47 billion in June. A total of 38 banking institutions, representing 95% of the market, participated in the statistical survey. Meanwhile, the share of non-performing loans in mortgage portfolios currently stands at 12%.
In May 2026, the Financial Stability Council approved a new Mortgage Lending Development Strategy. The document aims to implement market mechanisms designed to improve housing affordability for citizens.
Photo: Delo.ua
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