From October 1, family mortgages will switch to a differentiated system, where the interest rate and maximum loan amount will depend on the number of children in the family.
For families with a large number of children, conditions will become more favorable, while for families with one or two children, conditions will become less favorable or ambiguous.
The deputy emphasized the importance of assessing the practical implementation of the new rules, including the affordability of housing and compliance of credit limits with the real needs of families.
MOSCOW, September 30 - RIA Novosti. From October 1, family mortgages will actually move from one rate for all families to a differentiated system, where the rate will depend on the number of children, State Duma deputy Alexander Aksenenko (A Just Russia) said in an interview with RIA Novosti.
“Family mortgages from October 1 actually move from one rate for all families to a differentiated system: the more children, the lower the rate and, in most cases, the higher the maximum amount of a preferential loan,” Aksenenko said.
The politician clarified that in most regions for a family with one child under seven years of age the rate will be 10%, and the limit will remain 6 million rubles. For a family with two children, if at least one of them is under seven years old, according to the deputy, the rate will be 8% and the limit will be up to 8 million rubles; for a family with three children - 6% and up to 10 million; with four - 4% and up to 10 million; with five or more - 2% and up to 10 million rubles.
The deputy added that for Moscow, the Moscow region, St. Petersburg and the Leningrad region the parameters are higher: one child - 12% and up to 12 million rubles, two - 10% and up to 15 million, three - 8% and up to 18 million, four - 6% and up to 18 million, five or more - 4% and up to 18 million rubles.
“A separate important change is that the preferential rate will now be subsidized for a maximum of 15 years. Moreover, at the birth of the next child, the rate on the current mortgage can be recalculated downwards,” the parliamentarian noted.
For individual housing construction, the conditions remain separate: the rate will remain 6% regardless of the number of children and the region, Aksenenko explained.
The new system redistributes support towards larger families, he said. For families with three or more children in the regions, the conditions remain the same or become more favorable: the loan limit increases, and for four or more children the rate decreases. For a family with two children, as the deputy noted, the situation is ambiguous: the limit, for example, in most regions increases from 6 to 8 million rubles, but the rate simultaneously increases from 6 to 8%. And for a family with one child, the conditions become less preferential - the limit does not increase, but the rate rises to 10%, in the capital regions - to 12%.
“The very principle of greater support as the family grows is clear. But the program must be assessed not only by the size of the rate. It is important that the established limit is really enough for housing that meets the needs of the family,” the deputy noted.
He emphasized that if a family with two children receives a larger credit limit, but a suitable two- or three-room apartment in its city still costs significantly more, the formal expansion of the program does not always mean a real improvement in housing affordability.
“Therefore, after the launch of new rules, in my opinion, it is important to look at their practical result: what area families will be able to buy in different regions, what the monthly payment will be and what proportion of families will be able to pass bank requirements for the debt load,” Aksenenko said.
