Experts noted an increase in demand for family mortgages in 2025
After the family mortgage conditions changed in July 2024, the real estate market faced challenges and subsequent adaptation. In 2025, demand was recovering — this was facilitated by the abolition of limits for banks, the expansion of program conditions, and other factors. The M2 Analytical Center studied how the structure of demand has changed, which regions have become leaders and how the parameters of transactions have been transformed. Izvestia got acquainted with the research data on August 1.
"The state program has become more targeted due to the revision of requirements for borrowers. It is now available to families with at least one child under the age of six or a disabled child. Families with two children can buy housing under the program in a small town or in one of the 35 regions of the country with a low volume of construction," the article says.
The adjustment of conditions led to a change in the level of demand for the program in the second half of 2024. However, it recovered in the first half of 2025, largely due to the market's adaptation to the new rules, as well as maintaining the 6% rate against the background of market rates.
According to Dom.In the first half of 2025, banks issued 9% more loans for family mortgages in monetary terms and 11% more in quantitative terms. The share of such loans in the total mass of preferential loans reached 90%. For comparison, in the first half of 2024, before the adjustment of its terms and the cancellation of publicly available preferential mortgages, it accounted for approximately 50% of all preferential loans, and in the second half of the year its share exceeded 80%.
The greatest interest in family mortgages is observed in Moscow (10.5% of applications), Krasnodar Territory (8.5%), St. Petersburg (6.4%), Bashkortostan (5.1%) and Tatarstan (4.6%). Together, the ten leading regions provide 55% of the total demand. Experts attribute this to interregional migration to large cities and southern regions, where the standard of living is higher and the climate is milder.
Significant changes have also occurred in the parameters of transactions. The average initial contribution under the program in the first half of 2025 was 28%, down from 34% in the second half of 2024. In monetary terms — from 3.2 million to 2.3 million rubles. The highest initial contributions are observed in Moscow (5 million rubles), the Moscow region and St. Petersburg (3 million each), and the Leningrad Region (2.4 million). The minimum is in the Volgograd and Rostov regions (1.7 million each).
"The maximum loan amount under the program is 6 million rubles. The exceptions are Moscow and the Moscow Region, St. Petersburg and the Leningrad Region: in these regions, the limit has been increased to 12 million rubles," the study notes.
It is specified that the national average in the first half of 2025 was 5.3 million rubles, in Moscow this figure reached 9.6 million rubles, in the Moscow region — 7.6 million rubles, in the Northern Capital — 6.9 million rubles, in the Leningrad region — 6.3 million rubles. At the same time, the average purchase receipt in the country decreased by 16% and amounted to 8 million rubles.
On July 29, analysts at Metrium recorded a record decrease in the share of mortgage transactions in the primary market of "old" Moscow in the first half of 2025. This is the lowest result since the first half of 2019, when the indicator dropped to 47%. At the same time, the share of mortgage transactions in the premium class sank to a minimum in the history of the market - 16%.
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