Features of investment in the Ukrainian real estate market. Geo-information approach
Abstract
This article addresses the urgent issue of investment in Ukraine’s real estate market. It proposes the use of geographic information systems (GIS) for the collection, processing, and continuous updating of real estate data. The relevance of the study lies in the application of geodatabases for analyzing large volumes of property-related information. The research focuses on the residential real estate market in Ukraine, with particular attention to state mortgage programs. The main objective is to develop a stakeholder action sequence for real estate investment through mortgage financing and to study the dynamics of property value changes across Ukraine. The study employs general scientific methods of systems analysis and geostatistical techniques to transform data from discrete to continuous forms for large-scale analysis. The research aims to conduct a GIS-based study of the real estate market across all regions of Ukraine over the past four years. It analyzes the dynamics of apartment prices in the housing sector and visualizes the relationship between stakeholder profit and mortgage term within the framework of the “YeOselya” state mortgage program. Special attention is given to the formation of stakeholder profit through mortgage schemes by leveraging the difference between rental income and mortgage payments. The analysis reveals that key economic indicators – such as core inflation index, Hryvnia depreciation against the US dollar, and the growth of minimum wages in Ukraine – significantly affect overall profitability. The authors propose a sequence of stakeholder actions for identifying investment opportunities, whether via mortgage financing or personal funds, aimed at maximizing returns. The study concludes with an assessment of the relationship between profit and payback period under various economic conditions and presents several investment scenarios in the real estate sector, including those supported by the «YeOselya» program.
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