Subsidies and benefits for the purchase of housing from the state in 2023

In 2023, you can buy an apartment in a new building, build a house or buy a ready one thanks to a mortgage with state support, which is available to all citizens of the Russian Federation.  At the same time, the initial payment will be at least 15%, and the rate from 7.3% per annum. The available loan amount in the regions is 6 million rubles, in both capitals and regions, the maximum is 12 million rubles. A family mortgage with a rate of 5.3% per annum is available to families with an only child (born after January 1, 2018), with a disabled child, as well as with two or more children under the age of 18. And real estate from the developer can be purchased for up to 6 million rubles in the regions and up to 12 million rubles in Moscow, St. Petersburg and the regions. The initial payment is 15%.

An attractive rate of 1.5% is provided for under the Far Eastern mortgage program. With an initial payment of 15% or more, those wishing to settle in the region are entitled to up to 6 million rubles for the purchase of real estate. Benefits for IT workers continue to operate. Specialists are provided up to 18 million rubles for the purchase or construction of their own housing in large regions (from 1 million people) and 9 million rubles in the rest. With a down payment of 15% or more, the rates start from 4.7%. The payment under the maternity capital program ranges from 586,946 to 775,628 rubles. The funds are allowed to be used for the purchase of first housing, as well as for improving living conditions.

Do not forget about the one-time payment to large families. So, 450 thousand rubles can be received by families where at least one child was born after 1.01.2019. It should be noted that there are now many housing social programs for rural residents, young families, teachers, medical workers, military personnel, Russian Railways employees, Interior Ministry employees and other categories of citizens. You just need to understand the requirements for these programs.