The State Duma talked about the simplification of the sale of housing purchased with the mother capital

Real estate purchased with a mortgage and maternity capital will be easier to sell. This was announced on July 5 by Svetlana Razvorotneva, deputy chairman of the State Duma Committee on Construction and Housing and Communal Services.

It is clarified that on July 2, the Federation Council approved a law that allows, without the consent of the bank, to register such real estate in the ownership of the family even before the repayment of the mortgage.

"The bill was conceived as a system of measures aimed at simplifying real estate transactions for families who have already bought housing using maternity capital," Razvorotneva told TASS.

She added that in order to make such transactions, it is necessary to allocate shares to children, since without this, the guardianship authorities will not give consent to the family to sell the old and buy new housing. In addition, the deputy clarified that this would not affect the interests of banks in any way: the apartment would still remain secured until the mortgage loan was paid, despite the allocated shares.

We have a cancellation: 11 large cities are at risk due to the curtailment of preferential mortgages

The share of unsold housing is growing in the regions, which can lead to bankruptcy of developers.

On July 3, analysts at the TYMY platform informed Izvestia that the total number of mortgage loan applications in June 2025 increased by 15.2% compared to the previous month. According to analysts, the growth in the primary housing segment was 19.9%, while in the secondary market the volume of mortgage applications remained almost at the level of May, adding only 3.28% compared to the previous month.