As of February 1, Russia to Limit Reissue of Family Mortgages

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As of February 2026, new rules for family mortgages will be implemented in Russia. The main change will be the introduction of the principle of "one discounted mortgage per family," as reported by RIA "Новости" based on a comment by Alexander Yakubovsky, a member of the State Duma Committee on Construction and Housing and Utilities.

According to the parliamentarian, the reform aims to increase the targeting and transparency of the state program, as well as to minimize potential abuses.

"As of 2026, housing should be purchased by the family that has the right to participate in the program and actually plans to live there," Yakubovsky emphasized.

Key changes:

• Joint application for spouses. Starting in 2026, husbands and wives will be able to obtain a discounted loan as joint borrowers. Previously, each spouse had the right to a separate discounted mortgage, which allowed doubling the amount of state support.
• Fight against "gray" schemes. The new rules are designed to completely eliminate the practice of using the program for speculative purposes. This includes cases where a discounted mortgage was obtained for relatives or acquaintances with subsequent resale of the property.
• Targeted use. "As of 2026, housing must be purchased by the family that has the right to it and intends to live there," Yakubovsky stated.

The basic parameters of the program will remain unchanged. Discounted interest rates, a down payment of at least 20%, limits of 6 million rubles for most regions and up to 12 million rubles for major agglomerations, as well as the possibility of combining a discounted and market loan will still be available.

As the parliamentarian explained, the essence of the changes is not about tightening conditions, but about fine-tuning the program. This will allow targeted support and improve the efficiency of budget spending.

"This makes the system more fair, reduces the number of speculative transactions, and stabilizes the market," Yakubovsky summarized.