The State Duma has adopted a law granting mortgage holidays to… (каникулы · ребёнок · ипотечный)
The State Duma has adopted a law granting mortgage holidays to families with children. The State Duma approved the law on mortgage holidays for families upon the birth or adoption of a child in its second and third readings.
Consensus
- The State Duma approved amendments to the consumer credit law to introduce mortgage holidays for families with children.
- The law allows families to suspend mortgage payments for up to 18 months after the birth or adoption of a second or subsequent child.
- The law will take effect on September 1, 2026.
- The measure is intended to stimulate birth rates and reduce financial risk for borrowers.
Points of divergence
- The grace period ends when the child reaches 1.5 years of age. — kommersant
- The law was approved unanimously by the party 'United Russia'. — vedomosti
- The law does not require proof of reduced income or payment-to-income ratio to qualify for the holiday. — vedomosti
- The law was revised to clarify that the birth or adoption of a child is considered 'special circumstances', not a 'difficult life situation'. — vedomosti
- Penalties and fines accrued before the holiday will be paid last, and double interest charges are excluded. — vedomosti
- The law applies retroactively to contracts existing before its effective date. — vedomosti
Coverage (2 sources)
- The State Duma has adopted the law on mortgage holidays for families with children — Коммерсантъ
- State Duma approved mortgage holidays up to 1.5 years for families with children — Ведомости