New Family Mortgage Rules Explained to Ryazan Residents

Starting from February 1, 2026, changes to the family mortgage program, which caused much noise, took effect. In fact, as experts explain, it is not that scary. The program remains accessible even if you already had a subsidized mortgage, but there are a number of changes reported by the company Kapital:

If a subsidized mortgage was taken out before December 23, 2023, the family mortgage is available only if both spouses are included in the contract;

If after December 23, 2023 — for a new family mortgage, three conditions must be met simultaneously: repay the previous subsidized loan, include the spouse in the transaction, and have another child born in the family during this period.

Other important changes include:

mandatory co-borrower status for spouses;

confirmation of joint registration at the same address of parent and child;

provision of the child«s SNILS (personal insurance number).

Taking a step toward your own apartment can be easy and profitable not only through a family mortgage. Kapital offers a mortgage with no down payment for all residential complexes of the developer.

This is an opportunity:

not to save for years for a large sum before purchasing;

get an apartment now while favorable conditions are available;

start life in a new apartment with a comfortable, affordable payment, using the saved funds for renovation or furnishing.

Let an experienced developer help you understand the details and choose the optimal mortgage option.

To learn more and get a consultation on a no-down-payment mortgage, contact Kapital specialists and take advantage of the best market conditions.

Company Kapital,
phone: +7 (491) 243-42-19;
website: kapital62.ru.

_{Financial services provided by: Sberbank. General license of the Bank of Russia for banking operations No. 1481 dated 11.08.2015.}