The deputy appreciated the new conditions of the family mortgage

Starting from October 1, the terms of the family mortgage program will change: the amount of government support will depend more on the number of children in the family. This was stated on October 1 by Alexander Yakubovsky, deputy of the State Duma of the Federal Assembly of Russia.

"The main change, in my opinion, is not even in the specific rates, but in the very logic of the program. Family mortgages are becoming a much more targeted tool: the amount of state support is now directly linked to the number of children in the family," the parliamentarian noted.

According to Yakubovsky, previously preferential mortgage programs simultaneously fulfilled several tasks: they helped citizens improve their living conditions and supported demand in the housing market, which also affected the construction industry. Now, the deputy believes, the main focus of family mortgages is shifting towards solving demographic problems. The new conditions suggest that the more children there are in a family, the greater the amount of government support.

Forbidden lot: family mortgage is not available to residents of almost half of the regions

The average salary does not allow servicing even a preferential loan in Crimea, Kaliningrad, Krasnodar and other regions.

Yakubovsky noted that for families with three, four, five or more children, a consistent reduction in the rate and an increase in the available amount of preferential loans are provided. According to him, the mortgage mechanism in this case is used not only for the purchase of housing, but also as a tool to support large families.

At the same time, the deputy drew attention to the fact that for families with one or two children, the terms of the program will become less preferential compared to the current ones. Thus, the support measure will become more targeted, but at the same time less universal in terms of its impact on the housing market.

According to Yakubovsky, the key change is the transition of family mortgages from a broad program to support housing demand to a tool in which the amount of government assistance is determined by the composition of the family.

The Ministry of Finance announced changes to the family mortgage starting from October 1. The key factor is the differentiation of conditions depending on the number of children and the region of the family's residence. The rates range from 2% to 12%. The maximum period of subsidizing preferential family mortgages in Russia will be 15 years, according to the agency.