Russian authorities are discussing the possibility of introducing differentiated lending rates and limits on family real estate loans. They will depend on the number of children in the family, He said Kommersant sources.
It is expected that the cap of 12 million rubles for families with one child in Moscow and St. Petersburg will be maintained, but the rate will rise to 12% per year. For families with two or more children in these two cities, the limit will rise to 15 million rubles at a rate of 10% per year.
In other regions of Russia, for families with one child, the maximum will also remain at 6 million rubles, but the rate will rise to 10% per year. If there are two or more children, the limit will be increased to 8 million rubles, and the rate will be 8% per annum.
The current family mortgage rate of 6% per annum will remain available either with a down payment of more than 50%, or if there are four children in Moscow and St. Petersburg or three children in other regions.
The family mortgage program was launched in Russia in 2018. Now on it can be claimed Families with one child under six years old, families with children under 18 years old and parents of children with disabilities.
Family mortgage is the main preferential mortgage program in Russia. According to Dom.RF, in the five months of 2026, 158 thousand family mortgage loans were issued for a total amount of 936 billion rubles (this is 9% higher than in the same period last year).
June 18 Deputy Minister of Construction, Housing and Communal Services Nikita Stasyshyn AnnounceFrom 1 July, the terms of the family mortgage will change. According to Stasyshyn, the program will aim to stimulate the birth rate.