August 28, 2025
According to a new study by Interfax-Ukraine, a significant share of real estate transactions in Ukraine are carried out on deferred payment terms from developers — averaging around 65% of agreements.
RIEL confirms this trend. As Zoriana Zemlinska, Coordinator of Sales Department, explains, in Kyiv projects of the developer roughly 50% of transactions are made with full payment and 50% on deferred terms, while in Lviv about 60% are full-payment and 40% deferred-payment transactions.
Alla Chipak, Coordinator of Sales Department at RIEL in Lviv, explains that the company offers flexible deferred payment plans directly from the developer:
‘In some residential complexes, the minimum down payment is just 10% of the apartment’s cost. The remaining amount can be split into equal instalments and paid monthly or quarterly over a period of up to two years.’
‘It’s also possible to extend payment terms beyond two years. For instance, at the Brother Residential Complex in Kyiv, in the second launch phase, instalment purchases can continue until the project is completed in the second quarter of 2028. We also offer additional discounts for full payment and special benefits for military personnel, medical workers, and internally displaced persons, introduced during the war, she noted.
RIEL also highlighted positive trends in the use of the state affordable mortgage programme ‘eOselia’. According to Zoriana Zemlinska, interest in purchasing dwelling through the eOselia programme has remained stable: while transactions accounted for 5% in 2022, by 2025 this figure had grown to 13%.
