Ukrainian banks issued 910 mortgage loans totaling UAH 1.7 billion in April 2026. The largest number of loans were issued in the Kyiv region and the capital. This was reported by the National Bank of Ukraine, reports UNN.
Details
According to the NBU, most mortgage loans were issued for the purchase of housing on the primary market.
In April, banks issued 522 loans worth UAH 1 billion on the primary real estate market, of which 262 loans worth UAH 497 million were secured by property rights to future real estate. On the secondary market, 388 loans worth UAH 697 million were provided
The regulator noted that the weighted average effective rate on mortgages was 8.25% per annum on the primary market and 9.38% on the secondary market.
In April, banks issued the largest number of mortgage loans in the Kyiv region – 307 agreements worth UAH 595 million. In Kyiv, 204 loans worth UAH 439 million were issued. The top five also included Lviv region - 45 loans worth UAH 101 million, Ivano-Frankivsk region - 41 loans worth UAH 79 million, and Volyn region - 36 loans worth UAH 64 million.
The National Bank also emphasized that the quality of the mortgage portfolio remains high - the share of non-performing loans is only 12%.
The survey was conducted among 38 banks, which account for over 95% of the country's total gross mortgage portfolio. Of these, 13 banks reported issuing new mortgage loans in April.
The NBU also reminded that in May, the Financial Stability Council approved an updated Mortgage Lending Development Strategy, which should promote the development of market mechanisms and increase the availability of housing in Ukraine.
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