The year 2025 clearly shows the trend: Ukrainians are increasingly choosing «eOselya» less often and are more frequently arranging housing directly with the developer through installment plans. Today, 65–90% of transactions in new buildings occur through installment plans, while the share of «eOselya» barely reaches 5–15%.

In the first nine months of 2025, Ukrainians concluded 10–15 thousand installment contracts, and only 5406 loans — under the state program. This is already 20% less than the previous year, and forecasts indicate that the last year’s indicators will not be reached by the end of the year.

🔸Despite the expansion of conditions, the «eOselya» program remains inaccessible to the majority:

▪️ a significant portion of applications are automatically filtered out in «Dii»;

▪️ banks refuse due to official income, «solvency risks», age;

▪️ frontline regions and wartime factors — another barrier;

▪️ over 70–90% of applications are rejected due to errors in documents, non-compliance with requirements, or bureaucracy.

As a result, only 10–30% of applicants complete the entire process and receive approval.

🔸Installments have effectively become the «king of sales» in the primary market. And here’s why:

▪️ Fast: processing takes 1–2 days, with no endless checks.

▪️ Flexible: the first payment — from 10–20%, often interest-free programs during promotions.

▪️ Convenient: developers offer long repayment terms — up to 5–7 years.

▪️ Without unnecessary obstacles: no banking decisions regarding income, age, or place of residence.

Analysts from the DIM group of companies note: buyers are willing to pay even larger monthly payments to avoid the hassle of checks and complicated procedures.

Source: DIM group of companies