November: Ukrainian banks provided UAH 1.5 billion in mortgages

In November 2025, Ukrainian financial institutions granted 743 mortgages for 1.5 billion hryvnias. The largest part went to the market of new buildings, and the leaders were Kyivska and Lviv region.

In November 2025, Ukrainian banks granted 743 mortgage loans with a total value of 1.5 billion hryvnias. It informs UNNreferring to the results of the monthly analysis of banks on mortgage lending, published by the NBU.

Details It is indicated that a significant part of mortgage loans was granted on the primary real estate market. In this segment, 434 loans were issued for the amount of 910 million hryvnias. Of these, 163 loans in the amount of 319 million hryvnias were secured by property rights for the future housing facility.

On the secondary housing market, banks granted 309 loans for a total value of 614 million hryvnias.

The weighted average effective rate was:

• 8.14% per annum — on the primary market;
• 9.42% per annum — on the secondary market.

The quality of the mortgage portfolio remains consistently good: the percentage of non-performing loans is only 11%.

Regions-leaders in the volume of mortgage lending Regionally, the largest volumes of mortgage lending in November were recorded in:

• Kyiv region — 239 deals for 521 million hryvnias (34% of the total volume);
• the city of Kyiv — 148 deals for 343 million hryvnias;
• Lviv region — 51 deals for 109 million hryvnias;
• Ivano-Frankivsk region — 40 deals worth 75 million hryvnias;
• Volyn region — 32 deals for 56 million hryvnias.

38 banking institutions took part in the analysis, accounting for more than 95% of the total mortgage portfolio. 14 banks announced the issuance of new mortgage loans in November.

The National Bank reminded that the Financial Stability Council approved the Mortgage Credit Development Strategy, focused on strengthening market mechanisms and increasing housing affordability.