Preferential mortgage 2026: Stricter requirements for borrowers and new rules for families
As of February 2026, new rules for preferential mortgage programs will take effect, tightening lending conditions for many borrowers. The reforms will affect popular programs such as the "Family Mortgage" and will change banks' approaches to issuing preferential loans.
Key changes for borrowers:
One family — one loan. It is envisaged that a family will be able to obtain the "Family Mortgage" only once, which will eliminate the possibility of taking out separate loans for each spouse.
Ban on "donor" mortgages. Mortgage contracts will no longer be able to include "third parties," closing a scheme that allowed the use of preferential programs for investment purposes.
Rate by number of children. A differentiated rate is being introduced for the "Family Mortgage." For families with one child the rate may be 12%, with two — 6%, with three or more — 4%.
Increase in down payment. Banks have already begun gradually raising the down payment on some programs — from 20% to 30–40% — which may make buying a home unaffordable for many families.
Prospects for the market and banks
Experts expect banks to tighten the application review process. At the same time, next year the possibility of refinancing combined mortgages may expand, allowing borrowers to reduce the interest rate on the market-rate portion of the loan without losing the preferential terms.
For the real estate market this is a signal of a paradigm shift: preferential mortgages are gradually moving away from mass support and shifting toward a targeted, need-focused format. In the future, programs may be retained but in a curtailed form, reports the portal 56orb.ru.
What does the future hold for the programs?
Analysts believe further transformation may include:
Lowering housing price caps.
Introducing a family income threshold.
Making the "Family Mortgage" available only to families with two or more children.
Tightening conditions for IT specialists.
Improving digital interagency cooperation for borrower verification.
So it can be concluded that families planning to buy housing under the old rules should hurry to arrange a loan before February 2026. The new conditions will make preferential mortgages less accessible, but more targeted, aimed at supporting those who need them most.
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Preferential mortgage 2026: Stricter requirements for borrowers and new rules for families
From 2026, government preferential mortgage programs are due to undergo significant changes. Conditions will become stricter, and some options popular with borrowers will be completely eliminated. We outline the key changes and what lies ahead for the market in the near future.