Abstract. Investigated and analyzed the system of financing the purchase of housing in Ukraine. An detailed analysis of funding sources. Proved ineffectiveness of State programs and housing finance discrepancy existing mechanism of bank mortgage actual level of solvency of the overwhelming majority of the population that needs to improve housing conditions. A mortgage improving public banks Ukraine on both the primary and secondary markets.
Key words: banking mortgage lending, government programs for affordable housing, life insurance, property insurance, the rate increase in the cost of mortgage credit, solvency of individual indicators.