Why January Is the Best Time to Buy a Family Apartment in a New Building

In January 2026, a rare situation is emerging on the real estate market in Yekaterinburg: several projects under construction by the Atom Group of Companies (Atomstroikompleks) are available with favorable purchase conditions, while from February 1, changes to the family mortgage rules take effect, limiting the number of loans per family.

What Atom Is Building Right Now

Over the past year, the Ural construction holding—the leader in accumulated housing commissioning volume in the Sverdlovsk Region—has launched several new projects in different districts of the city. Therefore, the choice of layouts is currently as wide as possible, including spacious two-, three-, and four-room apartments for large families.

«Research Institute: Science and Art» (NII: Nauka i iskusstvo) in Vtuzgorodok is the first residential complex in Russia with a built-in research institute. On the site of the old buildings of the Research Institute of Metallurgical Heat Engineering, a quarter with a large park-like courtyard is growing. Opposite the quarter is the Ural sports complex with a pool and the eponymous cultural center with numerous clubs and sections. The cost of two-room apartments here starts at 11.7 million rubles (about $117,000 at current rates), three-room apartments—from 15.5 million rubles (about $155,000).

«Quarter on Turbinka» (Kvartal na Turbinke) on Babushkina Street is the flagship project of Atom, thanks to which the El«mash district is changing its development vector while preserving its character. The quarter is being built opposite the Turbomotor Plant park, within walking distance of the Mashinostroiteley metro station and the Izumrud sports complex. The buildings contain a fitness center, underground parking, and shops and cafes on the ground floors. Two-room apartments are sold at a price starting from 7.9 million rubles (about $79,000), three-room apartments—from 12.65 million rubles (about $126,500).

«River Quarter» (Rechnoy kvartal) in Akademichesky is being built on the bank of the Patrushikha River along with other buildings of the district«s second phase and with access to the Yekaterinburg Ring Road (EKAD). Preobrazhensky Park, new schools and kindergartens nearby—all for the comfortable life of a family with children. The cost of two-room apartments is from 9.7 million rubles (about $97,000), three-room apartments—from 12.1 million rubles (about $121,000).

«Northern Lights» (Severnoye siyanie) in Uralmash is an example of how the most constructivist district of Yekaterinburg is being updated while remaining green and convenient. The new phases are being built on Avangardnaya Street, next to Summer Park and the metro. You can become the owner of a two-room apartment for a price starting at 11.65 million rubles (about $116,500), a three-room apartment—from 13.05 million rubles (about $130,500). «Northern Lights» also offers four-room apartments for large families costing from 18.85 million rubles (about $188,500).

Why It«s Important to Hurry Before February

Starting February 1, 2026, amendments come into effect that prohibit taking out two preferential mortgages for one family. Previously, there was no such ban: each spouse could take out a family mortgage without indicating the other as a co-borrower.

This tool was actively used: some bought housing for children or parents, some considered real estate as an investment, and some gradually improved their living conditions, for example, first taking a two-room apartment and then a three-room one for grown-up children.

From February 1, spouses will be considered as one borrower. Even if a family mortgage was taken out before the changes take effect, the family will not be able to take a second preferential loan. The state is returning the family mortgage to its original meaning—as a tool for solving the primary housing issue.

While the old rules are in effect, families still have the opportunity to take out a second preferential mortgage. But it«s important to hurry: the window of opportunity is closing.

January Promotions: «0-0-30» Installment Plan and Discounts up to 10%

In January, when buying an apartment under construction from Atom on mortgage, you can save up to 10% of its cost.

Also, until the end of the month, the «0-0-30» program is in effect for apartments in the above-mentioned complexes. The name is deciphered as follows: the first 0—the down payment amount (from 0% of the cost), the second 0—no overpayment, 30—the maximum number of installment months. Payment in equal monthly installments starts from the second month, and the larger the down payment, the greater the discount for the buyer—from 1% to 10% of the price.

Calculation: a two-room apartment of 51.1 m² (550 sq ft) in «Quarter on Turbinka» costing 7,900,000 rubles (about $79,000). With a 50% down payment (3,950,000 rubles, about $39,500) the buyer gets a 5% discount (395,000 rubles, about $3,950). The final cost of the apartment is 7,505,000 rubles (about $75,050). The remaining amount (3,555,000 rubles, about $35,550) is paid in equal installments—118,500 rubles (about $1,185) per month over 30 months.

In addition, in January, apartments in Atom«s residential complexes under construction can be taken with a down payment of 10% of the apartment»s cost and receive an interest-free installment plan until June 30, 2026. Depending on the size of the down payment, discounts are provided, and the monthly payment can be set independently, from 0 rubles.

Details about apartments and promotions— on the developer«s website, by phone (343) 363-87-64 or at the sales office at Belinskogo, 39.

_{* The group of companies «Atomstroikompleks».}

_{** Since 2016, source—ERZ.RF.}

_{*** The discount amount is based on the example of apartment No. 2 in the «Quarter on Turbinka» residential complex, 51.1 m² (550 sq ft), 2nd floor, ul. Frontovykh brigad—Stachek—Korepina—Vali Kotika ( atomstroy.net/kvartira/23658 ). All final contract terms and promotion conditions depend on the chosen apartment.}

_{OOO AN «ATOM», Yekaterinburg, Belinskogo, 39, (343) 363-87-64, is an agent for the sale of premises in the advertised properties. The «River Quarter» residential complex—developer: OOO SZ «Atom-Parina»; the «Northern Lights» residential complex—developer: OOO SZ «Severnoye siyanie»; the «Live» residential complex—developer: OOO SZ «Yug-Tsentr»; «Quarter on Turbinka»—developer: OOO SZ «Atom-Babushkina»; «Science and Art»—developer: OOO SZ «Atom-Studencheskaya». Premises—Apartments—residential premises, shared construction objects. The contract is in accordance with Federal Law 214 «On participation in shared construction…». Project declarations are published on the website наш.дом.рф: «Northern Lights» (8th phase), «Northern Lights» (9th phase), «River Quarter», «Live», «Science and Art», «Quarter on Turbinka». Text and photo content, 3D visualizations of residential real estate objects are for informational purposes only and are not a public offer.}

_{Offers are valid when concluding a contract until 31.01.2026, cannot be combined with other promotions and special offers, and are not an offer. The construction installment plan is provided by the developer. Study all the terms of the installment plan and other offers on the website atomstroy.pro. The developer has the right to make changes to the terms, period, and procedure of the promotion. Assess your financial capabilities and risks. The mortgage is provided by PJSC Sberbank, general license of the Central Bank of the Russian Federation No. 1481.}