In March, Ukrainian banks issued 808 mortgage loans totaling UAH 1.5 billion, according to data from the National Bank's monthly survey of banks. This was reported by the National Bank of Ukraine, according to UNN.
Details
According to the regulator, 494 loans worth UAH 932 million were provided in the primary real estate market, of which 240 loans worth UAH 439 million were secured by property rights to future real estate;
The NBU reports that 314 loans worth UAH 573 million were provided in the secondary real estate market.
The weighted average effective rate was 8.37% per annum in the primary market and 10.48% in the secondary market; the quality of the mortgage portfolio is good: the share of non-performing loans is only 13%.
In terms of regional distribution, the largest number of mortgage loans in March were issued in the Kyiv region (256 contracts for a total of UAH 471 million, or 31% of the total volume) and Kyiv (185 contracts for UAH 402 million).
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In the Lviv region – 43 contracts for UAH 92 million, in the Vinnytsia region – 35 contracts for UAH 69 million, in the Volyn region – 32 contracts for UAH 57 million.
During the survey, 38 banks with a share of over 95% of the total gross mortgage portfolio provided responses, of which 14 banks reported issuing new mortgage loans.
The NBU also recalls that in May, the Financial Stability Council approved the updated Mortgage Lending Development Strategy, aimed at developing market mechanisms in this market segment to increase housing affordability.
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