In the modern world, construction plays an important role, as the cities are developing leading to an increase in demand for housing and the construction of new real estate. The construction of residential real estate depends largely on attracting individuals' funds to real estate construction. One of the important issues is raising funds from enterprises, organizations, and the state budget to develop various spheres of public life, including real estate. In this context, this paper examines the Ukrainian experience of real estate construction with the use of individuals' funds. It analyses the features of various models used in financing real estate construction in general to identify the mechanisms for raising funds from individuals for the construction of real estate in Ukraine. It intends to identify the risks arising during the construction of real estate with the financial participation of individuals.The research employs a blend of qualitative and quantitative methodologies. Grounded primarily in documentary research, the study extensively scrutinized various primary and secondary sources, including regulatory documents, government publications, and market analyses. This ensured an in-depth grasp of both the historical evolution and present-day nuances of individual financing in the Ukrainian real estate sector.The findings reveal the regulations of raising funds from individuals for the construction of real estate.The paper concludes that individual funding for real estate in Ukraine offers significant potential for addressing housing needs and stimulating economic growth, yet is marked by legislative inconsistencies and investor vulnerabilities. Drawing from best practices, such as developer liability insurance, can bolster trust and efficacy in this financing mechanism. A refinement of legislative structures and enhanced protections for individual investors is essential for optimizing its potential.