Domclick predicted a reboot of the preferential mortgage market

The market for preferential mortgage programs is awaiting a reboot, said Alexey Leipi, director of Sberbank's Domclick department, at Domclick Digital Day in Samara.

In his opinion, the share of subsidized programs will decrease in the near future. In particular, changes in the terms of the family mortgage will lead to a temporary cooling of demand and a decrease in disbursements, Leypi believes. Nevertheless, starting in September 2026, mortgage issuance in Sberbank should exceed 270 billion rubles per month, with a peak in December of more than 330 billion rubles.

Leypi noted that depending on the new parameters of the family mortgage, which will be approved by the government, the volume of loans under this program may decrease by 7-20%. Among the options being considered are linking the rate to the number of children or the housing area, limiting the grace period to 15 years with a subsequent transition to a market rate, or fixing the rate after the grace period ends.

According to the director of Domclick, after a prolonged recession, the basic mortgage market began to recover. In January-May, the volume of market mortgage loans was almost four times higher than in the same period last year. In the second half of the year, its position will continue to strengthen, expects Leipi.

He also said that this year borrowers are particularly interested in the individual housing construction market. In April and May 2026, the volume of mortgages for residential housing amounted to 17 billion and 18 billion rubles, respectively, which is about twice as much as in the same months of 2025.