Family mortgage from February 1, 2026: what has changed for borrowers

Since the beginning of February 2026, the preferential mortgage program for families with children has been operating under the updated rules. The main principle now sounds like this: the benefit is not tied to the parent, but to the child. This means that only one loan can be issued for each minor on special terms with government support.

Three key innovations:

1. Spouses are now mandatory co—borrowers. If the marriage is officially registered, the second spouse is automatically included in the contract. An exception is made only for cases when the spouse is a foreign citizen.

2. A single residence permit for all children. All minor children in the family must be registered at the same address with at least one of the borrower's parents. If the marriage is dissolved, a court decision on determining the child's place of residence will be required to adjust the mortgage conditions.

3. New mandatory data at registration. The application must now specify the SNILS and the child's registration address. This information becomes the main identifier for receiving benefits.

What is still profitable?

Despite the tightening of procedures, the financial benefits of the program are fully preserved.:

· The preferential rate of 6% per annum remains in effect for:  

· families with children under 7 years of age;  

· families with two or more children when buying housing in small towns (population up to 100 thousand);  

· families raising a disabled child.    

The proposal for a differentiated rate depending on the number of children was not accepted.

· Flexible approach to income verification. There was no official transition to the 2-personal income tax certificate only. Banks retain the right to accept documents in their own forms, which simplifies the process for borrowers.

· Indexed maternity capital can be used as an initial payment or to repay a loan. New dimensions:  

· 728,921.9 rubles. — for the first child,  

· 963,243.17 rubles. — for the second and next children.

Result

The updated rules make the program more targeted and transparent, strengthening control over the targeted spending of funds. At the same time, its economic attractiveness for families has not been affected.: a favorable rate, convenient conditions for confirming solvency and an increased amount of state support help solve the housing issue.