New Family Mortgage Rules Prompt Early Action in Chita

The mortgage market saw a surge at the end of 2025, with family loans leading the way. Developers in Chita report sustained interest as new rules requiring both spouses to co-sign take effect in February.

Jan 29, 2026

New family mortgage regulations are scheduled to begin on February 1, introducing stricter co-borrower requirements.
Source:
Priroda

The end of 2025 proved unexpectedly active for the mortgage market: in December, issuance volume reached 613 billion rubles (approximately $7.7 billion at current rates) — the highest figure in the last five years. The majority was traditionally taken by family mortgages, and, as developers in Chita note, interest in them persists at the start of the new year. Partly due to changes in the mortgage program conditions, which will take effect in February.

The updated rules mandate that both spouses must be listed as co-borrowers for family mortgage loans.
Source:
Priroda

From February 1, changes approved by the Ministry of Finance will take effect: if the borrower is married, the spouse must be included as a co-borrower. Essentially, even families that previously did not use benefits will register the loan with shared financial responsibility.

The Solnechny Gorod complex provides suitable options for families, featuring discounts up to 1.5 million rubles.
Source:
Priroda

Therefore, Chita residents now have a good opportunity to purchase an apartment in a residential complex from eco-developer Priroda with a family mortgage under the old conditions. An additional argument is special offers: for example, in the Solnechny Gorod residential complex, a promotion with a discount* of up to 1.5 million rubles (approximately $18,800 at current rates) on apartment purchases continues — the offer is valid until the end of February.

In Priroda«s modern residential complexes, a wide selection of apartments is now available — from compact layouts for young families to spacious options for large families.

Particular interest is drawn by the urban villa format — apartments with high ceilings, panoramic glazing, and spacious terraces, where one can set up a private summer garden, lounge area, or mini-gym. This format combines the feeling of suburban living with full urban infrastructure and remains rare for the market.

Another promotion applies to certain lots: buyers receive a parking space or storage room as a gift**. In practical terms, this changes the lifestyle scenario in the new home — from space organization to everyday comfort. Also, a discount*** of up to 310 thousand rubles (approximately $3,900 at current rates) on warm underground parking is available.

The December results clearly showed: the market is sensitive to changes and knows how to act proactively. While the new family mortgage rules have not yet taken effect, offers with the old conditions and additional bonuses are becoming particularly noticeable. In the coming months, such opportunities will become fewer, and this is already reflected in deal statistics.

Details are available at the sales office of eco-developer Priroda.

Eco-developer Priroda,
phone: +7 (3022) 38-30-21;
address: Smolenskaya, 47;
Telegram (16+);
website;
more about Solnechny Gorod residential complex.

^{Solnechny Gorod residential complex: developer LLC SZ GOLDGEOPROM, project declaration on the website nash.dom.rf.}^{* Developer LLC «SZ Goldgeoprom». Discount of 1.5 million rubles applies to apartment No. 344 in building GP-1. Project declaration on}^nash.dom.rf.^{Promotion period from December 15, 2025 to February 28, 2026.}^{** Promotion period: from December 15, 2025 to January 31, 2026. When purchasing a 47.9 square meter apartment from December 15 to 31 — storage room as a gift. Parking as a gift when purchasing a 88.5 or 96.1 square meter apartment. Details at the sales office or by phone +7 (3022) 38-30-21.}
^{*** Promotion period: from September 22, 2025 to January 31, 2026.}
^{Mortgages are provided by PJSC Sberbank, PJSC VTB Bank, JSC Alfa-Bank.}