Changes in the rules of the "Family Mortgage" for spouses from February 2026

On February 1, 2026, new requirements for the participation of spouses in a "Family Mortgage" transaction will come into force. The main change concerns the mandatory joint loan processing. The main innovation: shared responsibility by default For clients who are officially married, the inclusion of a second spouse in the contract as a co-borrower will become a prerequisite. The only exception to this rule is when the spouse is a citizen of another country. Previously, the family had an alternative: it was possible to take out a loan for only one person. To do this, it was necessary either to obtain a notary's consent from the second spouse to purchase housing with a mortgage, or to have a valid prenuptial agreement that defines a different ownership regime. After the specified date, this option will be eliminated. Both spouses will be jointly and severally responsible for all obligations to the bank. Practical consequences of changes using examples Example 1. A family applying for benefits for the first time Conditions: The couple is married. Neither husband nor wife had ever applied for government-backed mortgages before. The order after 02/01/2026: It will be possible to get a "Family mortgage" only if both spouses act as co-borrowers. The credit burden and payment obligation will be shared. Example 2. One of the spouses has an "old" preferential mortgage (issued before 12/23/2023) Conditions: The client wants to get a "Family mortgage." At the same time, his wife (registered before or after the wedding) already has a valid preferential loan (for example, under the program for IT specialists), which was received before December 23, 2023. The order after 02/01/2026: The right to a new "Family Mortgage" remains. However, registration will be possible only with the mandatory inclusion of the spouse in the number of borrowers on the new loan. Example 3. One of the spouses has a "new" preferential mortgage (issued after 12/23/2023) Conditions: The client is married, and his spouse already has an outstanding preferential mortgage loan issued after December 23, 2023. The order after 02/01/2026: It will be possible to apply for a "Family mortgage" if two key conditions are met simultaneously.: 1. There is a new child in the family. 2. The previous preferential loan is completely closed. And in this case, the registration will take place with the participation of both spouses as co-borrowers. The list of programs that are considered preferential: "Family mortgage" (Mortgage with state support for families with children), Decision of the Ministry of Finance No. 25-67381-01850-R. Rural Mortgage, Decision No. 22-67386-00396-R. Far Eastern and Arctic Mortgages, Decision No. 23-67393-01016-R. Mortgage for IT Specialists, Decision No. 22-67374-00473-R. "Regional Mortgage" (for new regions), Decision No. 24-68903-01277-R. "Preferential mortgage 2020", Decision No. 22-67374-00473-R. Result Thus, starting in February 2026, the "Family Mortgage" for married couples will turn into a strictly joint financial instrument. This strengthens repayment guarantees for banks and the equal responsibility of spouses, but it may affect the approval process: the financial institution will analyze the solvency and credit histories of both. If you are considering the possibility of buying a home using government benefits, experts recommend that you consult a bank in advance, this will allow you to assess the chances of approval and properly prepare a package of documents taking into account upcoming innovations. By contacting our Maralin luxury real estate agency, you will receive not just a selection, but full support and confidence at every stage. The company's specialists will select only real objects that perfectly match your budget, location, and layout requirements. We will take care of all negotiations, organization of screenings and paperwork, thereby saving you up to 90% of your time.