Ukraine 💰 UAH Last updated2026-05-28

Іпотека (ipoteka) Calculator Ukraine

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Quick answer (Ukraine)

A ₴ 2,000,000 ipoteka at 19.0% over a 20-year term works out to a monthly payment of about 32 414 ₴, with total interest of 5 779 287 ₴ over the full term.

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Mortgage Calculator

USD

Home Value

LTV 80% · No PMI ✓

Loan Amount

Interest Rate

Term

Total Monthly

$35,747

PITI

Principal + Interest

$32,414

74% goes to interest

Total Interest

$5,779,287

over 20 years

Monthly Breakdown

Principal & Interest$32,414

Property Tax (1.1%/yr)$2,292

Homeowner's Insurance (0.5%/yr)$1,042

Total Monthly$35,747

Principal vs Interest Split

26% principal

74% interest

✨ Live recalculation·Includes P&I, property tax, insurance. Estimates only — consult a licensed lender for exact rates.

Reviewed by

Aisha Rahman, CFP®, MBA LinkedIn ↗

CFP® with 12+ years in mortgage & retirement planning.

Local context

Іпотека (ipoteka)s in Ukraine

Typical loan

2 000 000 ₴

in Ukraine

Typical rate

19% p.a.

prime borrower, 2026

Typical term

20 years

most common

Market overview

Ukraine's mortgage market is led by state-owned PrivatBank (nationalised 2016, the largest retail bank), Oschadbank, Ukrgasbank, and Ukreximbank, alongside private and foreign-owned Raiffeisen Bank Ukraine, OTP Bank Ukraine, Credit Agricole Ukraine, and ProCredit Bank. Following Russia's February 2022 full-scale invasion and continuing into 2026, the National Bank of Ukraine (NBU) held the key policy rate at 15.0-15.5% through late 2025 after an earlier hiking cycle that took it to 25% in 2022, then cut it down through 2023-2024 before pausing on inflation concerns. Pure commercial mortgage origination collapsed during 2022-2023 and has only partially recovered; the dominant active programme is the state "єОселя" (eOselia / "eHouse") which provides massively subsidised 3% (military/medics) or 7% (other defined groups) fixed-rate mortgages.

Why 19% is the typical rate

19.0% reflects a commercial-rate (non-subsidised) UAH mortgage from Raiffeisen or PrivatBank in early 2026, priced above the NBU policy rate to reflect war-time credit and liquidity risk; subsidised єОселя loans run at 3-7% for qualifying borrowers and dominate new origination volume.

Tax & regulatory notes

Ukraine charges a 1% state duty plus 1% Pension Fund contribution on property purchases (totalling 2%), with first-home purchases by individuals partially exempt under defined conditions. A 5% personal income tax plus 1.5% military levy applies to sellers on gains from second-or-later property sales within three years. Foreigners may own apartments and built structures but are generally prohibited from owning agricultural land (the 2021 land reform opened farmland ownership only to Ukrainian citizens). The єОселя programme — launched 2022, administered by Ukrfinzhytlo — provides 3% mortgages to military personnel, veterans, medics, teachers, and IDPs and 7% mortgages to other defined groups buying primary residences.

🧮 Worked example

A ₴ 2,000,000 ipoteka at 19.0% over a 20-year term

Loan amount

2 000 000 ₴

Annual interest rate

19%

Term

20 years (240 months)

Monthly payment

32 414 ₴

Total interest paid

5 779 287 ₴

Total paid (principal + interest)

7 779 287 ₴

❓ FAQ (Ukraine)

Common questions in Ukraine.

What is єОселя (eOselia) and who qualifies?

"єОселя" is Ukraine's flagship state mortgage subsidy programme, launched in 2022 and administered by the state agency Ukrfinzhytlo through partner banks (Oschadbank, PrivatBank, Globus Bank, and others). It offers 3% fixed-rate mortgages to active military, veterans, medics, teachers, scientists, and internally displaced persons, and 7% mortgages to other Ukrainian citizens up to defined age and income caps. By 2025-2026 єОселя accounts for the substantial majority of new mortgage origination in Ukraine.

How did the 2022 invasion affect Ukrainian mortgage lending?

Following Russia's 24 February 2022 full-scale invasion, the NBU imposed capital controls, hiked the policy rate to 25%, and the housing market effectively froze. Commercial mortgage origination dropped over 90%. Since 2023, the єОселя state programme has filled the gap with subsidised lending, while the NBU has gradually eased the policy rate as inflation moderated. Commercial origination remains constrained by war-zone uncertainty, declining housing collateral values in front-line regions, and elevated funding costs.

Can a foreigner buy property in Kyiv or Lviv during wartime?

Yes legally — foreigners may own apartments and built structures in Ukrainian cities, with the same registration procedures as citizens. In practice, war-time martial law, capital controls on outbound currency, and elevated insurance and title-risk costs have suppressed foreign buying volume significantly. Foreign-currency mortgages to non-residents are effectively unavailable; cash purchases dominate. Agricultural land remains restricted to Ukrainian citizens under the 2021 land reform.

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