New Terms of the "Family Mortgage" Program Starting October

Starting October 2026, new terms of the "Family Mortgage" program will come into effect. Depending on the region and the number of children in the family, mortgage rates will range from 2% to 12% per annum. The maximum loan amount also depends on the region and ranges from 6 to 18 million rubles.

For families with five or more children, where at least one child is under 7 years old, the rate will be from 2% to 4% depending on the region. For families with four children, the rate will be from 4% to 6%, with three children — from 6% to 8%, with two children — from 8% to 10%, and with one child — from 10% to 12%.

Within the program, the rate for building a private house or completing its construction, as well as for purchasing land with subsequent housing construction, will remain fixed at 6% regardless of the number of children and the family's region of residence, as reported by the Ministry of Finance.