The government proposes to link the family mortgage rate to the number of children

Earlier, the president instructed to extend the family mortgage until 2030 with an interest rate of 6%. It can be reduced to 4% — according to the options discussed in the government

The family mortgage can be expanded. The government is discussing the possibility of linking the interest rate to the number of children in the family, Acting Deputy Prime Minister Marat Khusnullin said in the State Duma.

Earlier, President Vladimir Putin instructed to extend the validity of the family mortgage until 2030, while maintaining the interest rate (no more than 6%) for families with children up to and including six years old.

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Valeria Mozganova, the presenter of the Real Estate program on Business FM, head of the expert council of the Digest of Russian and Foreign Real Estate magazine, tells about how linking the rate to the number of children may look like:

Valeria Mozganova, Business FM columnist, head of the expert council of the Digest of Russian and Foreign Real Estate magazine, “The option being discussed is about this — minus one percentage point at the birth of the second child and another minus one percentage point, that is, up to 4% reduction in the rate, at the birth of the second child, at the birth of the third child and all subsequent ones. This was an initiative, and now it continues to be discussed. I think there is a very good chance that it will be accepted in this wording. In my opinion, on Sakhalin they tried to experiment and support young families getting married and having children at an early age, there this initiative attracted a twofold increase in the birth rate, which is very cool, I think this option should work, so we should have more and more children.

Currently, families in which the first child or subsequent children were born from January 1, 2018 to December 31, 2023, families in which a child with a disability is being raised, and parents of adopted children can apply for a family mortgage.

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