Changes in the Family Mortgage program from October 1, 2026

From October 1, 2026, the conditions of the “Family Mortgage” are changing: a differentiated scale of interest rates is being introduced from 2% to 12% depending on the number of children and region of residence.

The maximum mortgage subsidization period will be 15 years, and to receive a loan at least one child must be under 7 years old.

The maximum loan amount and rates will vary for Moscow, St. Petersburg, Moscow and Leningrad regions and other regions.

MOSCOW, October 1 - RIA Novosti. The conditions for obtaining a “Family Mortgage” are changing from October 1: depending on the number of children and the region of residence of the family, instead of a single preferential rate of 6%, a differentiated scale from 2% to 12% will be introduced, and there will also be a different maximum loan amount.

The changes apply to new loans issued from October 1, 2026. The maximum mortgage subsidization period is now 15 years, and to receive a loan at least one child must be under 7 years old.

For Moscow, St. Petersburg, the Moscow and Leningrad regions, higher rates and limits are provided.

Thus, the maximum loan amount will be 18 million rubles for families with three or more children, while the rate will be 4% if the family has five or more children, 6% if there are four children and 8% if there are three. Families with two children have access to a preferential mortgage limit of 15 million rubles and a rate of 10% per annum, with one child - 12 million at 12%.

In other regions, the conditions are as follows: the maximum loan amount will be 10 million rubles for families with three or more children. The minimum rate will be available to families with five or more children - 2%, four - 4%, three - 6% per annum. A family with two children will be able to take out a loan for a maximum of 8 million rubles at 8%, and with one child - for 6 million at 10% per annum.