December was a record month for mortgages

By the end of December 2025, Sberbank issued 613 billion rubles of mortgage loans, which is almost 70% more than in November 2025. This is the highest figure in the last five years, the analytical center "Domclick" noted.

First of all, the noticeable increase in disbursements is related to family mortgages, which accounted for almost 76% of the total volume of disbursements, said Alexey Leypi, director of Sberbank's Domclick department. So, by the end of December 2025, Russians issued more than 460 billion rubles of loans under family mortgages, which was a record figure in the history of the program. In addition, this is almost twice as much as in November 2025, and also 5.5 times more than in December 2024.

Analysts explained the high demand for family mortgages by the desire of borrowers to have time to apply for preferential loans before the restrictions on the program were introduced. At the same time, Sberbank stressed that all changes are introduced by the bank seamlessly, without suspending the acceptance of applications and the issuance of loans.

There was also a peak demand for basic mortgages in December. The total volume of mortgage loans at market rates for the month amounted to 110 billion rubles. This is 47.4% more than in November 2025 and 3.5 times more than in December 2024.

This increase in disbursements was the result of a reduction in the rate for basic programs, the bank noted. If at the beginning of the year the weighted average Savings rate for market programs was at 28.8%, then in December 2025 it dropped to 19.8%.

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