In Ukraine, the advantages of dollar loans in hryvnia over property (71 % of loans in dollars).

Thus reduction in the loan portfolio also is mainly due to foreign currency loans for the year by 13%, while the volume of loans in the national currency during this period decreased by only 4%. This was reported by the press service of Naboo. Reportedly, as banks restricted lending to individuals in foreign currency loans are much smaller than repaid means the mortgage market does not develop. According to information, the reasons for the stagnation of the mortgage market similar reasons of stagnation in the real estate market as a whole is too low income individuals for self-accumulation of money for the purchase of housing and interest rates on loans to buy housing too high. Average mortgage rates that banks are now offering 20-23 % per annum in the segment of "secondary market" and 19-20 % for " primary market ". The main factors that do not allow banks to lower mortgage rates is the high cost of resources and the mismatch of fundraising needs of the population in terms of lending ( the vast majority of population deposits repayable on 2 years, and needs of the population in lending more than 5 years).

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