Family mortgages will be prohibited from being issued outside the place of registration in 2026.

The ban on the registration of a family mortgage for housing not in the region of registration of the borrower may start as early as the first quarter of 2026, the head of the State Duma Committee on the Financial Market Anatoly Aksakov told Izvestia. According to him, this is an important initiative — it can be introduced before the end of the spring session.

"Mortgage repayment for large families will be raised to 900 thousand."

Anatoly Aksakov, head of the State Duma Committee on the financial market, talks about family investments, the transfer of "molchuns" to a long—term savings program and an Islamic token

Initially, this idea was proposed by Federation Council Speaker Valentina Matvienko at the end of June. Then she called on Russian Prime Minister Mikhail Mishustin to improve the mechanism for issuing loans on family mortgages.

In 2024, more than 50% of loans issued under the program were in the capital regions: Moscow, Moscow region, St. Petersburg and Leningrad Region. At the same time, over 40% of citizens who have taken out loans live outside these regions of the Russian Federation, noted Valentina Matvienko. She recalled that the state program should be available in every region and used to improve housing conditions for families with children.

A family mortgage remains the only affordable option for buying real estate for many Russians. For example, by the end of May, the share of this program in disbursements approached 70%. This means that three out of four housing loans in the Russian Federation are issued by families with children.