Tag: mortgage

Terms of the family mortgage program will change in fall 2025: rates ranging from 4% to 12% depending on number of children and region, new lending limits, and payment increases of 30-72%. How the reform will impact the real estate market.

Renting out an apartment purchased with a subsidized mortgage could result in your interest rate jumping from 6% to 22%. We break down the legal risks, banks' rights, and what borrowers face when violating loan terms.

Analyst Denis Nugaev assessed the effectiveness of tiered mortgages for families with children. How reducing the rate to 4% for large families affects birth rates and who will become the primary borrowers.

NOSTROY President Anton Glushkov assessed the proposal for a tiered family mortgage program. Why a 10% rate for the first child could reduce housing demand by 20% and what makes higher rates dangerous.

Applications for mortgage restructuring surged 1.6-fold over the first 9 months of 2025. We examine the drivers: expiring grace periods, rates climbing to 27-30%, and why banks are willing to work with borrowers.

The 6% subsidized family mortgage covers only 40-60% of a two-bedroom apartment's cost in the regions. The limits of 12 and 6 million rubles haven't changed since 2018, pushing effective rates to 11-12%. Why experts are demanding a revision of the terms.

The Finance Ministry has clarified rules for obtaining a second family mortgage after the one-per-family limit takes effect in February 2026. Conditions for new families, interest rate forecasts, and impact on the real estate market.