Experts talked about mortgage trends in Russia

By the end of March this year, the volume of mortgages issued in Russia reached 230 billion rubles. This is 9.7% more than in February, and 37.2% more than in March last year, analysts at Domclick Sberbank said.

"The market has adapted to the changed conditions for the "Family Mortgage", which is convincingly proved by the data on transactions with new buildings. In March, disbursements in the primary market exceeded 125 billion rubles. (+10.8% by February 2026), and new buildings continued to be the most in—demand segment with a share of 54.5%," said Alexey Leypi, Director of the Domclick Department.

According to experts, if last year the primary market driver was the "Family mortgage" (it accounted for up to 90% of all loans), now the share of this program has decreased to 75%. The rest of the loans come from market mortgages or other preferential programs.

The demand for ready—made apartments decreased by 2.2 percentage points by February, to 27.3% of all transactions. At the same time, compared to last year, the volume of loans for ready-made apartments increased approximately fivefold: from 13 billion in March 2025 to 62.8 billion by the end of March 2026. The increase in disbursements by February was 1.8%.

The suburban real estate market is influenced by the seasonal factor, which has a positive effect on its growth rate (+18.1% compared to February), added Leipi. In March, the amount of disbursements for residential housing amounted to almost 12 billion rubles. This is 2.4 times more than a year ago. The share of residential housing in the market exceeded 5%.

Lending for the purchase of ready—made country houses is more in demand than residential housing - the total amount of disbursements by the end of March approached 24 billion rubles.

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