In one month, Ukrainian banks issued over 800 mortgage loans worth UAH 1.5 billion

Ukrainian banks issued 808 mortgage loans in March 2026 for a total of 1.5 billion hryvnias. This is evidenced by the results of a monthly survey of banks conducted by the National Bank of Ukraine.

According to the regulator, the largest volume of lending fell on the primary housing market. In particular, banks issued 494 loans for a total of 932 million hryvnias. Of these, 240 loans for 439 million hryvnias were secured by property rights to future real estate.

On the secondary real estate market, Ukrainians received 314 mortgage loans for a total of 573 million hryvnias.

The National Bank notes that the average weighted effective mortgage rate was 8.37% per annum in the primary market and 10.48% in the secondary.

At the same time, the quality of the mortgage portfolio remains stable. The share of non-performing loans is currently only 13%, which indicates a relatively high level of borrowers’ solvency.

The largest number of loans is in Kyiv and the region

The leaders in the number of mortgages issued in March were Kyiv and the Kyiv region. In the region, banks issued 256 loans for the amount of UAH 471 million, which is about 31% of the total volume of mortgage lending.

185 mortgage agreements were concluded in the capital for the amount of UAH 402 million.

Lviv region also remains active, where 43 loans for UAH 92 million were issued, Vinnytsia region — 35 agreements for UAH 69 million, and Volyn region — 32 loans for UAH 57 million.

38 banks, accounting for more than 95% of the country’s gross mortgage portfolio, participated in the NBU survey. 14 financial institutions reported issuing new loans.

NBU updates mortgage development strategy

The National Bank also recalled that in May the Financial Stability Council approved an updated Mortgage Lending Development Strategy.

The document provides for the development of market mechanisms in the field of housing lending and aims to make housing more accessible to Ukrainians even in wartime and economic instability.