They want to make family mortgages more expensive for divorced individuals and parents "not registered at the address."

      The Ministry of Finance has submitted proposals to the government to tighten the conditions for family mortgages — in particular, for parents who do not live together or have not legally formalized their relationship. This is reported by the newspaper "Kommersant."

      According to the discussed initiative, starting from July 1, the interest rate on preferential loans may be increased in two cases:

      if the second parent takes out a new mortgage;

      if the borrower is not married and is not registered at the same address as the child.

      At the same time, the changes will also affect those mortgages that were issued after February of this year. Since February 1, there has been a rule: one preferential mortgage per family, whereas previously each spouse could take out their own such loan.

      The Ministry of Construction has approved the initiative but insists that the new measures should not apply to already issued loans. It is still unknown how much the rate will increase. A source familiar with the discussion mentions a range of 8–9% (for comparison: the market mortgage rate is currently 17–19%). A final decision has not yet been made, but discussions among the agencies are ongoing.