Financial sector news

In July 2025, Ukrainian banks issued 871 mortgage loans totaling UAH 1.6 billion. This is evidenced by the results of the monthly survey of banks on mortgage lending conducted by the National Bank of Ukraine.

According to the NBU, the largest share of loans was provided in the primary real estate market—508 agreements worth UAH 961.5 million. Of these, 143 loans (UAH 275.6 million) were secured by property rights to future real estate. In the secondary market, banks issued 363 loans worth UAH 646.7 million.

According to the NBU, the largest share of loans was provided in the primary real estate market — 508 agreements worth UAH 961.5 million. Of these, 143 loans (UAH 275.6 million) were secured by property rights to future real estate. Banks issued 363 loans worth UAH 646.7 million on the secondary market.

The weighted average effective rates were 8.05% per annum in the primary market and 9.15% in the secondary market. The quality of the mortgage portfolio remains stable, with the share of non-performing loans remaining at 15%.

Regional distribution

The largest number of mortgage loans in July were issued:

• in the Kyiv region — 326 agreements worth UAH 623.2 million (38.8% of the total volume),
  
• in the city of Kyiv — 128 agreements worth UAH 277.8 million,
  
• in the Lviv region — 62 agreements worth UAH 124.3 million,
  
• in the Vinnytsia region — 48 agreements worth UAH 82.3 million,
  
• in the Ivano-Frankivsk region — 46 agreements worth UAH 76.1 million.
  
• Thirty-nine banks, accounting for over 95% of the total mortgage portfolio, participated in the survey, with 13 institutions reporting the issuance of new mortgages.

As a reminder, the Financial Stability Council approved the Mortgage Lending Development Strategy, which aims to develop market mechanisms and increase the availability of housing in Ukraine.