Russians were given a way to save up for an apartment in 2026

Strategies for saving for an apartment in 2026 vary depending on the period. Ilya Rusyaev, the founder of the Rusyaev Club business community, told about this on Wednesday, January 28.

The expert noted that with a horizon of up to two years, priority is given to saving funds through split-bank deposits within the insurance limit of 1.4 million rubles. And with an average horizon of two to five years, it is reasonable to build a ladder: an airbag, a contribution, a reserve for repairs, he added.

"The goal is divided into three baskets: an initial payment of 20-30%, transaction costs and repairs. Before starting savings, it is critical to collect a cushion for three to six months of expenses. Then the right to tax deductions with a base limit of 3 million rubles in interest is checked. Setting up car savings on the day of income helps not to waste money," Rusyaev emphasized in a conversation with Lenta.Ru .

According to Rusyaev, the practical scale looks like this: 10% as a minimum start, 15-25% as an accelerated accumulation zone, 30% and higher for high income. He stressed that after the postponement, there should be no debts for life.

"A mortgage is justified under a preferential program, when the purchase provides vital stability and the payment fits into the budget under a stress scenario. Renting with savings is more reasonable when a market mortgage is significantly more expensive than renting and you are willing to strictly invest the difference," the lawyer said.

He noted that the mathematical benefit is calculated by comparing the monthly cost of ownership: mortgage interest, insurance, tax, housing and communal services minus savings on rent and tax deduction. And if the price of ownership is noticeably higher than the rent, rent with accumulation is more profitable with discipline. The second way is to compare capital after a certain number of years in both scenarios, the expert concluded.

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.

Vladimir Koshelev, First deputy chairman of the State Duma Committee on Construction and Housing and Communal Services, announced on January 19 that the conditions for obtaining a family mortgage would change in Russia from February 1, IA Regnum reports. Now the family will be able to apply for only one preferential loan, and the involvement of "donors" to receive benefits will be prohibited, writes RIAMO.

In turn, Natalia Shipilova, sales Director of the Belye Peski residential complex, told Izvestia on January 28 that the program was becoming more targeted and losing its versatility as a tool for solving several housing problems at once.

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