Go and buy: where in Russia you can get a mortgage at 0.1%
In 2025, Russians can take advantage of a number of profitable mortgage programs, which vary depending on the region and type of housing. For example, if the standard loan rate for a "Rural mortgage" is 2.3–3%, then those who are ready to settle in the border area will be given it at a reduced rate of 0.1%. Today it is the most profitable mortgage in the country. Such a regime operates in a number of locations in Karelia, Altai, the Caucasus, and the Southern Urals. The other most profitable program remains the "Far Eastern Mortgage": housing can be purchased at 2% per annum. The same interest rate is valid under certain conditions in the DPR, LPR, Kherson and Zaporizhia regions. Details can be found in the Izvestia article.
The lowest rates in Russia, where you can get a mortgage at 0.1% and 2%
Currently, the most profitable mortgage with a rate of 0.1% remains the purchase of housing in the border areas, the Federal Assembly told Izvestia. According to the document, it is possible to obtain such a mortgage in rural agglomerations and strongholds of Dagestan and Karachay-Cherkessia, in Karelia and Altai Krai, in Kurgan, Novosibirsk, Omsk regions, in Orsk, Orenburg, Smolensk and Chelyabinsk regions.
In addition, a recent innovation is that in order to participate in the program, it is necessary to work in rural areas in the agro-industrial complex or in the social sphere. The relevant resolution was adopted by the government in the spring of 2025.
According to Alexey Popov, head of Cian Analytics, the new directive narrows down the range of potential borrowers: firstly, not all rural residents are employed in these sectors of the economy, and secondly, many of those who work there receive relatively low wages and may not pass bank scoring.
In addition, relatively small amounts are allocated for the program, the expert notes. In the first quarter of 2025, its issuance was stopped, but after the publication of the clarifying directive, a number of banks resumed collecting applications.
Another preferential offer with a relatively low rate is a "Family mortgage" at 6%. It is given to those who have at least one child under the age of six in their family, as well as to families with two children under the age of 18 if they live in a village, a city of up to 50,000 people or in a region with a low volume of construction. Families with disabled children can also count on such a mortgage.
In addition, there are mortgage programs from developers with low rates. Such programs usually involve a reduction in interest for the first years of loan servicing, which reduces mortgage payments and reduces the credit burden on the borrower. However, such programs have a disadvantage: they are often accompanied by an increased cost of an apartment, as the developer puts his subsidy costs into the price of housing. There may also be hidden fees.
Below market values
Today, Far Eastern Mortgage remains one of the most profitable mortgage programs in the country. It provides an opportunity to apply for a housing loan at a rate of up to 2% per annum, which is significantly lower than market values.
Thus, according to the head of the mortgage lending department of Glavstroy-Real Estate (Glavstroy Regions Group) Vadim Butin, this is a real alternative to rental housing: the monthly mortgage payment is often comparable or even lower than the rent.
"It is also important to note that with a stable macroeconomic situation and no early repayment, overpayment for the entire loan term is minimal," he says. —
At the same time, housing purchased in the Far East and the Far North can be used not only for permanent residence, but also for investment purposes.
For example, for leasing to employees of large infrastructure or mining enterprises.
If we talk about geography outside the Far Eastern Federal District, then, according to the expert of the Glavstroy Regions group, the most interesting regions now are those where several factors are combined at once:
— active government support (benefits, subsidies);
— low housing prices with steady demand;
— availability of projects at a high stage of readiness.
However, it is obvious that the higher the Central Bank's rate, the more consciously you need to choose not only the bank and the program, but also the region of purchase. Geography and financing mechanics play a key role in the long-term benefits of the deal.
URBAN analysts note that if we consider the issue of record-low mortgage rates (IP) in the context of geography, the most profitable IP currently operate in the regions of the Arctic zone (Murmansk Region, Nenets Autonomous District, Yamalo-Nenets Autonomous District, part of Khanty-Mansi Autonomous District, Krasnoyarsk Territory, Komi, Karelia and Arkhangelsk Region), as well as the Far Eastern Federal District. Only there the preferential treatment has been fully preserved.
Subject to confirmation of income and employment, as well as the conclusion of a comprehensive insurance contract in these territories, you can receive up to 9 million rubles at 2% per annum.
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