Russia: Subsidized & Family Mortgages 2025 Guide

The landscape of Russian mortgages has changed in 2025. While some broad subsidy programs have ended, targeted support remains strong.

Family Mortgage (6%)

• Rate: Up to 6% fixed.
• Eligibility: Families with at least one child under 6 years old, or a child with disabilities.
• Limits: 12M RUB in Moscow/St. Petersburg, 6M RUB elsewhere.

IT Mortgage (5%)

Special rate for employees of accredited IT companies.

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