Some 12% of respondents plan to use the state program of preferential mortgages eOselia (eHouse) in the future, and 29% are considering this opportunity, the OLX press service told Interfax-Ukraine.

According to a study conducted in September 2024 among users of the OLX.Real Estate category, another 29% of respondents are hesitant about using this program to improve their housing conditions.

Overall, 41% of respondents are well aware of the eOselia program and its details, 39% have only a general idea of ​​it, 14% have heard of it but do not know the details, and only 4% have never heard of this program.

However, about half of the respondents (48.4%) noted that they do not plan to buy housing yet. However, 15.5% plan to make a purchase within the next year. Another 11.8% and 14.1% want to buy real estate in the next two to three and three to five years, respectively.

Among those who recently made a purchase, 11.9% purchased housing in the last two to three years, 6.4% in the last year, and another 2.7% are at the stage of paperwork.

Among those who recently bought real estate, 69% chose apartments, 21.8% chose houses, and 8.4% selected the "other" option, which included warehouses, summer cottages, or land plots. As for the cost of housing, 36% spent from $30,000 to $70,000, 33% - up to $30,000, 12% - from $70,000 to $150,000, and 7% spent more than $150,000.

To purchase housing, 17.6% of respondents used a loan, with 13% of respondents reporting that it was eOselia. Most of those who bought housing with credit funds, (49%) chose apartments, and 46.6% - houses. The main reasons for applying for a loan: 65% indicated a lack of their own funds for full payment, 39.1% - the ability to gradually repay the amount without financial losses for the family, and 13% - the desire to invest in real estate without spending all their savings.

However, only 8% of respondents are ready to take out a loan to purchase housing in the future, and 36% exclude this option.

Regarding loan rates, the absolute majority of respondents (75.6%) believe that the rate should be up to 5% per annum. Another 17.5% of respondents opted for a rate of 6-8% per annum.

In August 2024, a total of 811 users of the OLX.Real Estate category took part in the study.