eOselia mortgage calculator - 3% and 7% loans

Check whether you qualify for the preferential 3% rate or the general 7% rate, and instantly calculate the monthly payment for the whole loan term.

Step 1. Am I eligible?

Step 2. How much to pay

Payment for the first 10 years

12,404.78 ₴

months 1-120

Loan amount1,600,000.00 ₴

Remaining debt after 10 years1,068,378.73 ₴

Payment after 10 years14,118.70 ₴

Total paid (principal + interest)3,182,818.39 ₴

Total overpayment1,582,818.39 ₴

Recommended family income24,809.56 ₴

payment no more than 50% of net income - a guideline; banks have their own rules

The area exceeds the norm of 53 sqm for your family size. The difference has to be paid out of pocket - it is not covered by the program loan.

Payment schedule by year

Year	Principal paid	Interest paid	Remaining debt
1	38,063.15	110,794.21	1,561,936.85
2	40,814.74	108,042.62	1,521,122.11
3	43,765.25	105,092.11	1,477,356.86
4	46,929.04	101,928.32	1,430,427.82
5	50,321.55	98,535.81	1,380,106.27
6	53,959.31	94,898.05	1,326,146.96
7	57,860.03	90,997.33	1,268,286.93
8	62,042.71	86,814.65	1,206,244.22
9	66,527.81	82,329.55	1,139,716.41
10	71,337.10	77,520.26	1,068,379.31
11	65,536.22	103,888.18	1,002,843.09
12	72,398.70	97,025.70	930,444.39
13	79,979.79	89,444.61	850,464.60
14	88,354.71	81,069.69	762,109.89
15	97,606.61	71,817.79	664,503.28
16	107,827.31	61,597.09	556,675.97
17	119,118.25	50,306.15	437,557.72
18	131,591.48	37,832.92	305,966.24
19	145,370.82	24,053.58	160,595.42
20	160,595.42	8,831.35	0.00

Expand the month-by-month schedule

Month	Payment	Principal paid	Interest paid	Remaining debt
1	12,404.78	3,071.45	9,333.33	1,596,928.55
2	12,404.78	3,089.36	9,315.42	1,593,839.19
3	12,404.78	3,107.38	9,297.40	1,590,731.81
4	12,404.78	3,125.51	9,279.27	1,587,606.30
5	12,404.78	3,143.74	9,261.04	1,584,462.56
6	12,404.78	3,162.08	9,242.70	1,581,300.48
7	12,404.78	3,180.53	9,224.25	1,578,119.95
8	12,404.78	3,199.08	9,205.70	1,574,920.87
9	12,404.78	3,217.74	9,187.04	1,571,703.13
10	12,404.78	3,236.51	9,168.27	1,568,466.62
11	12,404.78	3,255.39	9,149.39	1,565,211.23
12	12,404.78	3,274.38	9,130.40	1,561,936.85
13	12,404.78	3,293.48	9,111.30	1,558,643.37
14	12,404.78	3,312.69	9,092.09	1,555,330.68
15	12,404.78	3,332.02	9,072.76	1,551,998.66
16	12,404.78	3,351.45	9,053.33	1,548,647.21
17	12,404.78	3,371.00	9,033.78	1,545,276.21
18	12,404.78	3,390.67	9,014.11	1,541,885.54
19	12,404.78	3,410.45	8,994.33	1,538,475.09
20	12,404.78	3,430.34	8,974.44	1,535,044.75
21	12,404.78	3,450.35	8,954.43	1,531,594.40
22	12,404.78	3,470.48	8,934.30	1,528,123.92
23	12,404.78	3,490.72	8,914.06	1,524,633.20
24	12,404.78	3,511.09	8,893.69	1,521,122.11
25	12,404.78	3,531.57	8,873.21	1,517,590.54
26	12,404.78	3,552.17	8,852.61	1,514,038.37
27	12,404.78	3,572.89	8,831.89	1,510,465.48
28	12,404.78	3,593.73	8,811.05	1,506,871.75
29	12,404.78	3,614.69	8,790.09	1,503,257.06
30	12,404.78	3,635.78	8,769.00	1,499,621.28
31	12,404.78	3,656.99	8,747.79	1,495,964.29
32	12,404.78	3,678.32	8,726.46	1,492,285.97
33	12,404.78	3,699.78	8,705.00	1,488,586.19
34	12,404.78	3,721.36	8,683.42	1,484,864.83
35	12,404.78	3,743.07	8,661.71	1,481,121.76
36	12,404.78	3,764.90	8,639.88	1,477,356.86
37	12,404.78	3,786.86	8,617.92	1,473,570.00
38	12,404.78	3,808.95	8,595.83	1,469,761.05
39	12,404.78	3,831.17	8,573.61	1,465,929.88
40	12,404.78	3,853.52	8,551.26	1,462,076.36
41	12,404.78	3,876.00	8,528.78	1,458,200.36
42	12,404.78	3,898.61	8,506.17	1,454,301.75
43	12,404.78	3,921.35	8,483.43	1,450,380.40
44	12,404.78	3,944.23	8,460.55	1,446,436.17
45	12,404.78	3,967.24	8,437.54	1,442,468.93
46	12,404.78	3,990.38	8,414.40	1,438,478.55
47	12,404.78	4,013.66	8,391.12	1,434,464.89
48	12,404.78	4,037.07	8,367.71	1,430,427.82
49	12,404.78	4,060.62	8,344.16	1,426,367.20
50	12,404.78	4,084.30	8,320.48	1,422,282.90
51	12,404.78	4,108.13	8,296.65	1,418,174.77
52	12,404.78	4,132.09	8,272.69	1,414,042.68
53	12,404.78	4,156.20	8,248.58	1,409,886.48
54	12,404.78	4,180.44	8,224.34	1,405,706.04
55	12,404.78	4,204.83	8,199.95	1,401,501.21
56	12,404.78	4,229.36	8,175.42	1,397,271.85
57	12,404.78	4,254.03	8,150.75	1,393,017.82
58	12,404.78	4,278.84	8,125.94	1,388,738.98
59	12,404.78	4,303.80	8,100.98	1,384,435.18
60	12,404.78	4,328.91	8,075.87	1,380,106.27
61	12,404.78	4,354.16	8,050.62	1,375,752.11
62	12,404.78	4,379.56	8,025.22	1,371,372.55
63	12,404.78	4,405.11	7,999.67	1,366,967.44
64	12,404.78	4,430.80	7,973.98	1,362,536.64
65	12,404.78	4,456.65	7,948.13	1,358,079.99
66	12,404.78	4,482.65	7,922.13	1,353,597.34
67	12,404.78	4,508.80	7,895.98	1,349,088.54
68	12,404.78	4,535.10	7,869.68	1,344,553.44
69	12,404.78	4,561.55	7,843.23	1,339,991.89
70	12,404.78	4,588.16	7,816.62	1,335,403.73
71	12,404.78	4,614.92	7,789.86	1,330,788.81
72	12,404.78	4,641.85	7,762.93	1,326,146.96
73	12,404.78	4,668.92	7,735.86	1,321,478.04
74	12,404.78	4,696.16	7,708.62	1,316,781.88
75	12,404.78	4,723.55	7,681.23	1,312,058.33
76	12,404.78	4,751.11	7,653.67	1,307,307.22
77	12,404.78	4,778.82	7,625.96	1,302,528.40
78	12,404.78	4,806.70	7,598.08	1,297,721.70
79	12,404.78	4,834.74	7,570.04	1,292,886.96
80	12,404.78	4,862.94	7,541.84	1,288,024.02
81	12,404.78	4,891.31	7,513.47	1,283,132.71
82	12,404.78	4,919.84	7,484.94	1,278,212.87
83	12,404.78	4,948.54	7,456.24	1,273,264.33
84	12,404.78	4,977.40	7,427.38	1,268,286.93
85	12,404.78	5,006.44	7,398.34	1,263,280.49
86	12,404.78	5,035.64	7,369.14	1,258,244.85
87	12,404.78	5,065.02	7,339.76	1,253,179.83
88	12,404.78	5,094.56	7,310.22	1,248,085.27
89	12,404.78	5,124.28	7,280.50	1,242,960.99
90	12,404.78	5,154.17	7,250.61	1,237,806.82
91	12,404.78	5,184.24	7,220.54	1,232,622.58
92	12,404.78	5,214.48	7,190.30	1,227,408.10
93	12,404.78	5,244.90	7,159.88	1,222,163.20
94	12,404.78	5,275.49	7,129.29	1,216,887.71
95	12,404.78	5,306.27	7,098.51	1,211,581.44
96	12,404.78	5,337.22	7,067.56	1,206,244.22
97	12,404.78	5,368.36	7,036.42	1,200,875.86
98	12,404.78	5,399.67	7,005.11	1,195,476.19
99	12,404.78	5,431.17	6,973.61	1,190,045.02
100	12,404.78	5,462.85	6,941.93	1,184,582.17
101	12,404.78	5,494.72	6,910.06	1,179,087.45
102	12,404.78	5,526.77	6,878.01	1,173,560.68
103	12,404.78	5,559.01	6,845.77	1,168,001.67
104	12,404.78	5,591.44	6,813.34	1,162,410.23
105	12,404.78	5,624.05	6,780.73	1,156,786.18
106	12,404.78	5,656.86	6,747.92	1,151,129.32
107	12,404.78	5,689.86	6,714.92	1,145,439.46
108	12,404.78	5,723.05	6,681.73	1,139,716.41
109	12,404.78	5,756.43	6,648.35	1,133,959.98
110	12,404.78	5,790.01	6,614.77	1,128,169.97
111	12,404.78	5,823.79	6,580.99	1,122,346.18
112	12,404.78	5,857.76	6,547.02	1,116,488.42
113	12,404.78	5,891.93	6,512.85	1,110,596.49
114	12,404.78	5,926.30	6,478.48	1,104,670.19
115	12,404.78	5,960.87	6,443.91	1,098,709.32
116	12,404.78	5,995.64	6,409.14	1,092,713.68
117	12,404.78	6,030.62	6,374.16	1,086,683.06
118	12,404.78	6,065.80	6,338.98	1,080,617.26
119	12,404.78	6,101.18	6,303.60	1,074,516.08
120	12,404.78	6,136.77	6,268.01	1,068,379.31
121	14,118.70	5,215.54	8,903.16	1,063,163.77
122	14,118.70	5,259.00	8,859.70	1,057,904.77
123	14,118.70	5,302.83	8,815.87	1,052,601.94
124	14,118.70	5,347.02	8,771.68	1,047,254.92
125	14,118.70	5,391.58	8,727.12	1,041,863.34
126	14,118.70	5,436.51	8,682.19	1,036,426.83
127	14,118.70	5,481.81	8,636.89	1,030,945.02
128	14,118.70	5,527.49	8,591.21	1,025,417.53
129	14,118.70	5,573.55	8,545.15	1,019,843.98
130	14,118.70	5,620.00	8,498.70	1,014,223.98
131	14,118.70	5,666.83	8,451.87	1,008,557.15
132	14,118.70	5,714.06	8,404.64	1,002,843.09
133	14,118.70	5,761.67	8,357.03	997,081.42
134	14,118.70	5,809.69	8,309.01	991,271.73
135	14,118.70	5,858.10	8,260.60	985,413.63
136	14,118.70	5,906.92	8,211.78	979,506.71
137	14,118.70	5,956.14	8,162.56	973,550.57
138	14,118.70	6,005.78	8,112.92	967,544.79
139	14,118.70	6,055.83	8,062.87	961,488.96
140	14,118.70	6,106.29	8,012.41	955,382.67
141	14,118.70	6,157.18	7,961.52	949,225.49
142	14,118.70	6,208.49	7,910.21	943,017.00
143	14,118.70	6,260.22	7,858.48	936,756.78
144	14,118.70	6,312.39	7,806.31	930,444.39
145	14,118.70	6,365.00	7,753.70	924,079.39
146	14,118.70	6,418.04	7,700.66	917,661.35
147	14,118.70	6,471.52	7,647.18	911,189.83
148	14,118.70	6,525.45	7,593.25	904,664.38
149	14,118.70	6,579.83	7,538.87	898,084.55
150	14,118.70	6,634.66	7,484.04	891,449.89
151	14,118.70	6,689.95	7,428.75	884,759.94
152	14,118.70	6,745.70	7,373.00	878,014.24
153	14,118.70	6,801.91	7,316.79	871,212.33
154	14,118.70	6,858.60	7,260.10	864,353.73
155	14,118.70	6,915.75	7,202.95	857,437.98
156	14,118.70	6,973.38	7,145.32	850,464.60
157	14,118.70	7,031.49	7,087.21	843,433.11
158	14,118.70	7,090.09	7,028.61	836,343.02
159	14,118.70	7,149.17	6,969.53	829,193.85
160	14,118.70	7,208.75	6,909.95	821,985.10
161	14,118.70	7,268.82	6,849.88	814,716.28
162	14,118.70	7,329.40	6,789.30	807,386.88
163	14,118.70	7,390.48	6,728.22	799,996.40
164	14,118.70	7,452.06	6,666.64	792,544.34
165	14,118.70	7,514.16	6,604.54	785,030.18
166	14,118.70	7,576.78	6,541.92	777,453.40
167	14,118.70	7,639.92	6,478.78	769,813.48
168	14,118.70	7,703.59	6,415.11	762,109.89
169	14,118.70	7,767.78	6,350.92	754,342.11
170	14,118.70	7,832.52	6,286.18	746,509.59
171	14,118.70	7,897.79	6,220.91	738,611.80
172	14,118.70	7,963.60	6,155.10	730,648.20
173	14,118.70	8,029.96	6,088.74	722,618.24
174	14,118.70	8,096.88	6,021.82	714,521.36
175	14,118.70	8,164.36	5,954.34	706,357.00
176	14,118.70	8,232.39	5,886.31	698,124.61
177	14,118.70	8,300.99	5,817.71	689,823.62
178	14,118.70	8,370.17	5,748.53	681,453.45
179	14,118.70	8,439.92	5,678.78	673,013.53
180	14,118.70	8,510.25	5,608.45	664,503.28
181	14,118.70	8,581.17	5,537.53	655,922.11
182	14,118.70	8,652.68	5,466.02	647,269.43
183	14,118.70	8,724.79	5,393.91	638,544.64
184	14,118.70	8,797.49	5,321.21	629,747.15
185	14,118.70	8,870.81	5,247.89	620,876.34
186	14,118.70	8,944.73	5,173.97	611,931.61
187	14,118.70	9,019.27	5,099.43	602,912.34
188	14,118.70	9,094.43	5,024.27	593,817.91
189	14,118.70	9,170.22	4,948.48	584,647.69
190	14,118.70	9,246.64	4,872.06	575,401.05
191	14,118.70	9,323.69	4,795.01	566,077.36
192	14,118.70	9,401.39	4,717.31	556,675.97
193	14,118.70	9,479.73	4,638.97	547,196.24
194	14,118.70	9,558.73	4,559.97	537,637.51
195	14,118.70	9,638.39	4,480.31	527,999.12
196	14,118.70	9,718.71	4,399.99	518,280.41
197	14,118.70	9,799.70	4,319.00	508,480.71
198	14,118.70	9,881.36	4,237.34	498,599.35
199	14,118.70	9,963.71	4,154.99	488,635.64
200	14,118.70	10,046.74	4,071.96	478,588.90
201	14,118.70	10,130.46	3,988.24	468,458.44
202	14,118.70	10,214.88	3,903.82	458,243.56
203	14,118.70	10,300.00	3,818.70	447,943.56
204	14,118.70	10,385.84	3,732.86	437,557.72
205	14,118.70	10,472.39	3,646.31	427,085.33
206	14,118.70	10,559.66	3,559.04	416,525.67
207	14,118.70	10,647.65	3,471.05	405,878.02
208	14,118.70	10,736.38	3,382.32	395,141.64
209	14,118.70	10,825.85	3,292.85	384,315.79
210	14,118.70	10,916.07	3,202.63	373,399.72
211	14,118.70	11,007.04	3,111.66	362,392.68
212	14,118.70	11,098.76	3,019.94	351,293.92
213	14,118.70	11,191.25	2,927.45	340,102.67
214	14,118.70	11,284.51	2,834.19	328,818.16
215	14,118.70	11,378.55	2,740.15	317,439.61
216	14,118.70	11,473.37	2,645.33	305,966.24
217	14,118.70	11,568.98	2,549.72	294,397.26
218	14,118.70	11,665.39	2,453.31	282,731.87
219	14,118.70	11,762.60	2,356.10	270,969.27
220	14,118.70	11,860.62	2,258.08	259,108.65
221	14,118.70	11,959.46	2,159.24	247,149.19
222	14,118.70	12,059.12	2,059.58	235,090.07
223	14,118.70	12,159.62	1,959.08	222,930.45
224	14,118.70	12,260.95	1,857.75	210,669.50
225	14,118.70	12,363.12	1,755.58	198,306.38
226	14,118.70	12,466.15	1,652.55	185,840.23
227	14,118.70	12,570.03	1,548.67	173,270.20
228	14,118.70	12,674.78	1,443.92	160,595.42
229	14,118.70	12,780.40	1,338.30	147,815.02
230	14,118.70	12,886.91	1,231.79	134,928.11
231	14,118.70	12,994.30	1,124.40	121,933.81
232	14,118.70	13,102.58	1,016.12	108,831.23
233	14,118.70	13,211.77	906.93	95,619.46
234	14,118.70	13,321.87	796.83	82,297.59
235	14,118.70	13,432.89	685.81	68,864.70
236	14,118.70	13,544.83	573.87	55,319.87
237	14,118.70	13,657.70	461.00	41,662.17
238	14,118.70	13,771.52	347.18	27,890.65
239	14,118.70	13,886.28	232.42	14,004.37
240	14,121.07	14,004.37	116.70	0.00

The calculation is approximate and is not financial advice or a bank offer. Final loan terms and program eligibility are decided by the partner bank and Ukrfinzhytlo.

How the eOselia payment is calculated

The eOselia payment is a classic annuity (the same amount every month), but the rate applies in two periods. For the first 10 years (120 months) the payment is calculated at the preferential rate for the whole chosen loan term using A = P × i / (1 − (1+i)^−n), where P is the loan amount, i is the monthly rate (annual rate / 12), and n is the term in months.

Starting from month 121 the rate increases (3% → 6% or 7% → 10%). At that point the actual remaining balance accumulated over the first 120 payments is taken, and a new annuity is calculated for it over the remaining term at the new, higher rate. So the payment after 10 years is not a simple rescaling by the rate ratio - it depends on how much debt is actually left.

Example: a property worth 2,000,000 UAH, a 20% down payment (400,000 UAH), a loan of 1,600,000 UAH for 240 months (20 years), general category - 7% for the first 10 years and 10% after. The payment for the first 120 months is 12,404.78 UAH/month.

After 120 payments the remaining balance is 1,068,378.73 UAH. A new annuity is calculated for it over the remaining 120 months at the 10% rate - the payment rises to 14,118.70 UAH/month. The total overpayment over the whole loan term is about 1,582,818.40 UAH.

The same example under the privileged category (3% → 6%) gives a payment of 8,873.56 UAH/month for the first 10 years and 10,202.36 UAH/month after - noticeably lower thanks to the lower rate.

Who is eligible for the program

3% rate - privileged categories

Military personnel serving under contract (including mobilized servicemembers who signed a contract).
Law enforcement, Security Service of Ukraine and intelligence agency employees.
Medical workers of state and municipal healthcare institutions.
Teaching and academic staff of educational institutions.
Researchers at scientific institutions and organizations.

7% rate - general category

Citizens who do not own housing, or whose housing is below the set area norm.
Internally displaced persons (IDPs) with a confirming certificate.
Other categories defined by the program rules and the partner bank at the time of application.

What property you can buy

The eOselia program limits the property area covered by the loan: 52.5 sqm for an apartment for a family of 1-2, 73.5 sqm for 3 people, plus 21 sqm for each additional family member, up to a maximum of 115.5 sqm.

For a house the norm is slightly higher: 62.5 sqm for 1-2 people, 83.5 sqm for 3 people, plus 21 sqm for each additional person, up to a maximum of 125.5 sqm.

If the chosen property is larger than the norm, the loan can still be obtained, but the borrower pays the difference in value for the extra square meters out of pocket, on top of the minimum down payment.

How to apply via Diia

Check your category and eligibility (age, no housing or housing below the norm) in the Diia app or portal.
Choose an eOselia partner bank from the list on eoselia.diia.gov.ua.
Submit your application and documents confirming your category and income, via Diia or directly at the bank.
The bank verifies the documents and decides on the credit limit and terms.
Choose a property within the limit and area norm, and sign the sale and mortgage agreements with a notary.
Arrange the mandatory property and life insurance - a program condition.
Receive the loan funds and start making monthly payments on schedule.

Everything about calculating the eOselia mortgage payment

eOselia is a Ukrainian state program for subsidized mortgage lending that lets you buy housing at 3% or 7% per year for the first 10 years, instead of market rates of 15-20%+. The calculator shows the real monthly payment at every stage of the loan and helps you understand whether you qualify.

Why the rate changes after 10 years

The state subsidizes the difference between the preferential and the market rate only for the first 10 years of the loan, as set out in Cabinet of Ministers resolution No. 856. After that the rate increases (to 6% for the privileged category or 10% for the general one), but it still remains noticeably lower than the average market mortgage rate.

Why it is worth calculating the payment in advance

The recommended income in the calculator shows how much a family should earn so the payment does not exceed half of net income - a guideline banks also use when assessing creditworthiness. If the payment turns out too high for your income, consider a shorter term or a larger down payment.

Frequently asked questions about eOselia

Who is eligible for the 3% rate

The 3% rate applies to contract military personnel, law enforcement and intelligence officers, medical workers, teachers and scientists - provided they also meet the other program criteria (age, no own housing or housing below the area norm). The full list of categories and required documents is set by Cabinet of Ministers resolution No. 856.

What happens to the rate after 10 years

For the first 10 years (120 months) the preferential rate applies - 3% or 7% depending on the category. Starting from month 121 the rate rises to 6% or 10% respectively and stays until the end of the loan term. The payment after 10 years is recalculated from the actual remaining balance, not simply scaled up by the rate.

Can I buy a resale property or only new construction

Under the eOselia program you can buy both newly built housing (from an insured developer) and resale housing within the program rules. The exact terms and the list of available properties should be checked on eoselia.diia.gov.ua and with the partner bank, since the list is updated periodically.

Can the loan be repaid early

Yes, the program allows both partial and full early repayment without penalties. This usefully reduces the total interest overpayment, especially in the early years of the loan when interest makes up the largest share of the payment.

What additional costs are there besides the monthly payment

Besides the loan payment itself, the borrower pays for property and life insurance (a mandatory program condition), notary services when signing the sale and mortgage agreements, and may pay a Pension Fund fee when first registering ownership. These costs roughly add up to a few percent of the property value and are not included in the calculator.

Is a spouse's income taken into account for the loan

The bank may consider the combined family income, including a spouse's income, if they act as a co-borrower or provide income documents. The recommended income shown in the calculator is an estimate for a single payer - actual bank requirements may differ.

What happens if the property area is larger than the allowed norm

The eOselia loan covers the property cost within the set area norm (52.5 sqm for an apartment for 1-2 people, plus extra square meters for each additional family member). If the chosen property is larger than the norm, the borrower pays the difference in value out of pocket as part of the down payment - it is not covered by the loan.

Can I get eOselia if I already have another mortgage

The main program condition is that the borrower must not own other housing (or the existing housing must be below the area norm). If there is an outstanding mortgage on housing that meets the area norm, participation in the program is most likely not possible - the exact decision is made by the partner bank after verification.

Sources

Author and editorial team: Finansist · About us

eOselia program partner banks Deposit calculator - save for the down payment OVDP bond calculator All financial calculators