Ukrzaliznytsia employees have gained access to privileged mortgages: the government has expanded access to the eOselya program.

The government has expanded access to the eOselya program.

Advocacy

.

Nov 17, 2025

Ukrzaliznytsia employees have gained access to privileged mortgages: the government has expanded access to the eOselya program.

Ukrzaliznytsia employees have gained access to privileged mortgages: the government has expanded access to the eOselya program.

The government has expanded access to the eOselya program.

The government has expanded access to the eOselya program.

Advocacy

.

Nov 17, 2025

➡️ The government has expanded access to the subsidized mortgage program 'єОселя' for employees of Ukrzaliznytsia who lost their homes due to the war. This decision aligns with the state policy of supporting internally displaced persons and stabilizing critical sectors of the economy. Ukrzaliznytsia, which is one of the largest employers for IDPs, receives an additional mechanism for retaining staff and supporting its employees.

The financial terms for railway workers are significantly softened:

▪️ up to 40,000 UAH for document processing is covered by the state;

▪️ 70% of the down payment is financed by the state, 20% by Ukrzaliznytsia;

▪️ in the first year, the state compensates 70% of the monthly payment, Ukrzaliznytsia — 10%;

▪️ in the next two years, Ukrzaliznytsia increases its own compensation share to 20% and 30% respectively.

Thanks to this, employees have the opportunity to purchase housing worth up to 2 million UAH, paying a minimal down payment — no more than 60,000 UAH.

🔝 The first participants were railway workers from Poltava region, who were provided a voucher for housing purchase after losing their home in Pokrovsk. By the end of the year, it is planned to attract about 100 families to the program.

At the same time, the government and Ukrzaliznytsia are working on further expanding support programs for the industry and implementing mechanisms that will allow for increased wage levels.

Source: Ministry of Communities and Territories Development of Ukraine

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© 2023-2025 PO "Institute for the Development of the Ukrainian Real Estate Market «Plektan»" EDRPOU Code 45191388. All rights reserved
© 2023-2025 PO "Institute for the Development of the Ukrainian Real Estate Market «Plektan»" EDRPOU Code 45191388. All rights reserved
© 2023-2025 PO "Institute for the Development of the Ukrainian Real Estate Market «Plektan»" EDRPOU Code 45191388. All rights reserved