The regions that are leaders in demand for family mortgages are named

Moscow, the Moscow region and the Krasnodar Territory have become leaders in demand for family mortgages in 2025. This was reported to Izvestia on April 10 by analysts of the M2 real estate ecosystem, noting the growing role of regions in the demand structure.

"Since April 1, 2025, the program has expanded: a preferential loan has become available for the purchase of secondary housing in small towns with low construction rates — where no more than 2 new buildings are being built per year. This decision has strengthened the role of regions in the demand structure and opened up additional opportunities for local markets," said Dmitry Smirnov, Head of the M2 Analytics and Data Department.

According to analysts, the top three in terms of demand are Moscow with a share of 10.7%, the Moscow region — 8.8% and the Krasnodar Territory — 7.1%. St. Petersburg took the fourth place with an indicator of 5%, followed by the Tyumen, Sverdlovsk and Rostov regions.

Additionally, Tatarstan, Bashkiria and the Leningrad Region entered the top 10. According to experts, the share of each of these regions exceeds their share in the country's population, which indicates a pronounced interregional migration.

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"The top 10 accounts for 55% of all disbursements, while the share of the population is only 38%, which underlines the high concentration of demand in the most attractive locations for living," Smirnov stressed.

It is noted that demand is formed due to the relocation of families to more developed regions and southern territories with a comfortable climate. At the same time, in early 2026, the market began to show signs of cooling after the program conditions changed.

"The new principle is one preferential mortgage for one family, and the spouses are now co—borrowers. This raised the demand for new buildings in December and January, as some families sought to close the deal in advance," the analysts added.

On April 7, Sergey Belyakov, President of the National Association of Non-Governmental Pension Funds (NAPF), announced that those with a monthly income below 80 thousand rubles can save up for the initial mortgage payment, provided they set aside 3 thousand per month for a long-term savings program. He noted that the long-term savings program was originally created as a universal savings tool. According to him, the tool allows you to generate capital for various purposes, including paying for education, large purchases and creating a financial reserve.

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