The year 2025 clearly shows a trend: Ukrainians are increasingly choosing to forgo the "eOselya" program and are more frequently arranging housing directly with developers through installment plans. Today, 65–90% of transactions in new buildings are conducted through installment plans, while the share of "eOselya" barely reaches 5–15%.

Over the nine months of 2025, Ukrainians have entered into 10–15 thousand installment agreements, and only 5406 loans — under the government program. This is already 20% less than last year, and forecasts indicate that by year's end, last year's figures will not be achieved.

🔸Despite the expanded conditions, the "eOselya" program remains inaccessible to most:

▪️ A significant portion of applications is automatically filtered out in "Diia";

▪️ Banks refuse due to official income, "creditworthiness risks," and age;

▪️ Frontline regions and military factors — another barrier;

▪️ More than 70–90% of applications are denied 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. Here's why:

▪️ Fast: processing takes 1–2 days, without 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.

▪️ No unnecessary obstacles: no banking decisions about income, age, or place of residence.

Analysts of the DIM group of companies note: buyers are ready to make even larger monthly payments just to avoid wasting time on checks and complicated procedures.

Source: DIM group of companies