Family mortgage rules will change in July. Deputy Minister of… (ипотека · семейный · правило)
Family mortgage rules will change in July. Deputy Minister of Construction and Housing and Communal Services Nikita Stasishin announced that the family mortgage rules will change as of July 1.
Consensus
- The rules for family mortgage will change starting July 1, 2026
- The new program will be aimed at stimulating birth rates
- One family will be allowed to take only one subsidized loan
- Both spouses must be co-borrowers
- Children must be registered at the same address as parents
- Banks are preparing for the changes
- The changes were discussed with the financial block of the government
Points of divergence
- The changes are intended to prevent abuse and make support more targeted for families who truly need it — fontanka
- Prime Minister Mikhail Mishustin tasked the Ministry of Finance and Ministry of Construction to propose differentiated interest rates based on the number of children in a family — vedomosti
- The changes took effect on February 1, 2026, and the previous changes included requiring co-borrowers and same-address registration — kommersant
- Representatives of Dom.RF expect a 20-35% reduction in family mortgage issuance — fontanka
Coverage (4 sources)
- Rules for family mortgage will change in July — Фонтанка
- Ministry of Construction Announces Changes to Family Mortgage Rules Starting July 1st — Ведомости
- Ministry of Construction to Announce Rules for Modified Family Mortgage After July 1st — Коммерсантъ
- Starting July 1st, family mortgage will be directed toward increasing birth rates — Фонтанка