https://artem.im/en/Recent content on Artem PoliakoffHugoen-USSun, 28 Jun 2026 00:00:00 +0000https://artem.im/en/blog/idp-flats-examples/Sun, 28 Jun 2026 00:00:00 +0000https://artem.im/en/blog/idp-flats-examples/<p>A companion to the main breakdown — <a href="https://artem.im/en/blog/ukraine-idp-mortgage-guide/"><strong>&ldquo;Housing for IDPs: how a mortgage can cost less than cash&rdquo;</strong></a>. That post has the numbers, charts and the logic of choosing between the 3% lottery and eOselia at 7%. This one is the <strong>concrete flat examples</strong>: by Kyiv district and suburbs, plus 8 favourites by profile.</p> <p>Each link opens LUN with the program criteria already baked in (district, one-bedroom, price-per-m² ceiling, area, build year) — so the results show only eligible flats. Prices are approximate; <strong>double-check before viewing</strong>.</p>https://artem.im/en/blog/ukraine-idp-mortgage-guide/Sat, 27 Jun 2026 00:00:00 +0000https://artem.im/en/blog/ukraine-idp-mortgage-guide/<div class="tldr"> <h3>TL;DR</h3> <p class="big">A home bought with an eOselia (7%) or 3% IDP mortgage often ends up <em>cheaper</em> than paying cash.</p> <p>Counterintuitive — but when the fixed rate is below inflation, the real cost of the debt shrinks every year. Here's why, with exact numbers.</p> </div> <h2 id="how-a-mortgage-can-cost-less-than-cash">How a mortgage can cost less than cash</h2> <p>It feels like interest is always overpaying. But what matters is the <strong>rate-versus-inflation gap</strong>. Ukraine&rsquo;s programs for displaced people offer a <strong>fixed 3% (the &ldquo;Housing for IDPs&rdquo; lottery)</strong> or <strong>7% (eOselia)</strong> for the whole term, while hryvnia inflation has historically run at <strong>~10–13% per year</strong>.</p>