Family mortgage rates to vary by children count and region

The number of children for the maximum credit: 1 child - 12%, 12 million rubles; 2 children - 10%, 15 million rubles; 3 children - 8%, 18 million rubles; 4 children - 6%, 18 million rubles; and more than 5 children - 4%, 18 million rubles.

Consensus

The new conditions for the 'Family Mortgage' program will take effect on October 1, 2026.
The interest rate will depend on the number of children in the family and the region of residence.
The program will remain active until December 31, 2030.
At least one child in the family must be under seven years old at the time of contract signing.
The maximum duration of the subsidized interest rate will be 15 years.
The program is intended to be more targeted toward demographic goals.
The changes were approved by the Ministry of Finance.

Points of divergence

For a family with one child, the combined monthly income must be 240,000 rubles for mortgage approval in Moscow, St. Petersburg, Moscow and Leningrad regions. — tg_tvrain
The new rules include a minimum apartment size of 35 square meters and a potential increase in the down payment from 20% to 25%. — gazeta_spb
If a family does not register residency within 271 days, the bank may increase the interest rate. — gazeta_spb
For families with one child in the Moscow region, the interest rate will be 12%, and for five or more children, it will be 4%. — gazeta_spb
For families with one child in most regions, the interest rate will be 10%, and in Moscow and three other regions, it will be 12%. — riamo
The maximum loan amount for families with one child in most regions is 6 million rubles, and in Moscow, St. Petersburg, and their regions, it is 12 million rubles. — komersant
For families with three or more children, the maximum loan amount is 10 million rubles in most regions, and 18 million rubles in Moscow, St. Petersburg, and the two regions. — mediazona
For a 6 million ruble loan over 15 years, the monthly payment will increase from 50,600 to 64,500 rubles at a rate of 10%. — tg_theinsider
The new conditions were introduced immediately after the State Duma elections. — tg_echoonline_news

Coverage (20 sources)

For mortgage approval, a family with one child needs to earn 240 thousand rubles per month — Дождь (Telegram)
Limit on "Family Mortgage" tied to number of children - SPb Newspaper - St. Petersburg news — Gazeta.SPb
Family mortgage from October 2026: new rates, amounts and conditions for families with children — РИАМО
Ministry of Finance will change family mortgage terms from October 1, 2026 — РИАМО
Mortgage rates will double: families with one child risk delaying home purchase — РИАМО
Expert assessed the consequences of new family mortgage terms - SPB Newspaper - St. Petersburg news — Gazeta.SPb
Main things on the real estate market by morning September 25 — Коммерсантъ
From October 1 in Russia family mortgage conditions will change: the rate on the preferential loan will depend on the number of children... — Новости Москвы
Family mortgage will be tied to number of children and limited by term starting October 1 — РИАМО
Ministry of Finance approved new terms for the Family Mortgage program. Payments for families with one child will increase by tens of percent... — The Insider
In Russia, conditions for family mortgage have been tightened. It will become more expensive for families with one and two children — ЭХО / Новости
Ministry of Finance changed family mortgage terms, now it will depend on the region of residence and the number of children — Медиазона
Authorities will make mortgages less accessible for families with one child — Агентство. Новости
From October 1, conditions for family mortgage in Russia will change — SOTAvision
Authorities tighten family mortgage conditions. Now it depends on the number of children and region — Новая газета Европа
In Russia, family mortgage conditions changed — now the rate will depend on the number of children — Meduza
Detailed information on the conditions of the "Family Mortgage" program, which will start to operate from October: Across the country - except for Moscow... — РИА Новости (Telegram)
Ministry of Finance announced changes to family mortgage terms — Вести
From October 1, family mortgage terms change. More details shown on cards. — Mash
Ministry of Finance announced changes to 'Family Mortgage' terms from October 1. — Baza

Family mortgage rates to vary by children count and region

Consensus

Points of divergence

Coverage (20 sources)

Key entities

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