What happened? In 2022, Ukrainian banks issued 2,009 mortgage loans totaling UAH 1.96 billion, which is 5.3 times less than a year earlier (4.3 times less in monetary terms).
Source. NBU.
Details. The regulator clarified that in 2022, mortgage lending was completely suspended for three months – in March, April, and May. In the summer, it gradually began to recover: from 2 million UAH in June, it increased to 500 million UAH in December. It is noted that 99% of all mortgage loans in June-December were granted for the purchase of housing in the secondary market.
In September-November, the NBU notes, banks issued 252 mortgage loans totaling 279 million UAH, and in December – 405 loans worth 501 million UAH. This is the highest monthly figure since the beginning of the full-scale war.
In terms of regions, the largest number of mortgage loans were issued in Kyiv and Kyiv Oblast during this period – 241 agreements totaling almost UAH 345 million (43% of the total amount). The second place was taken by Volyn Oblast – 48 agreements worth 60 million UAH (8%).