The Central Bank of the Russian Federation announced a record increase in the volume of family mortgages

The volume of family mortgage issuance in Russia in December 2025 increased by 69% compared to November and reached a record 605 billion rubles. This was announced on February 3 in the press release of the Central Bank "On the development of the banking sector of the Russian Federation in December 2025."

"Household mortgage debt increased by a significant 2.4% in December, mainly due to high demand for Family Mortgages. The annual growth was 9.0%, which is only slightly lower than 10.9% in 2024," the publication says.

According to the regulator, the most popular preferential lending program, the Family Mortgage, provided loans of 605 billion rubles, which is almost twice as much as in November (358 billion rubles). The Bank of Russia notes that such a surge in activity was associated with expectations of changes in the terms of the program.

The new rules came into force on February 1, 2026. Only one preferential loan per family is now issued for a family mortgage, and the spouses are required to be co-borrowers. This encouraged families to rush to apply for a loan before the rules changed.

One family — one mortgage: family mortgage rules will change from February 1

Starting from February 1, 2026, the spouses will be considered a single borrower on a family mortgage.

On February 2, the country's largest banks recorded an explosive increase in demand for family mortgages. So, in Sberbank, the volume of such loans reached 113 billion rubles, which is 2.6 times more than in the entire first month of 2025.

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