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FREQUENTLY ASKED QUESTIONS
The loan amount under the preferential program cannot exceed 80% of the purchase price. The remaining 20% can be paid in the form of a subsidy (for example, “Young Family” or “Maternity Capital”), or the seller (developer or equity holder) may, if they wish, subsidize this initial payment or arrange an installment plan for its payment over up to 12 months. If the developer subsidizes the initial payment, the price may increase, as the tax burden on the seller rises.
Family mortgage allows you to purchase various types of housing subject to certain conditions that depend on the family composition and the region. The program is valid until December 31, 2030.
*Types of housing that can be purchased:
- An apartment in a new building — ready or under construction from the developer. Available for families with a child under 6 years of age, with a disabled child under 18 years of age, as well as for families with two minor children in certain regions or small towns.
- A private house — under construction or ready from the developer. You can also use the funds to build a house with the involvement of a contractor and the use of an escrow account.
Secondary housing is available in some cases. Starting in 2025, the program will extend to the secondary market in cities where no more than two apartment buildings are constructed per year. At the same time, the house must not be in a state of disrepair or older than 20 years, and the apartment must be purchased from a related party (for example, from a relative).
*Restrictions by region and conditions
Families with two underage children aged 7 to 17 can purchase an apartment in a new building in regions with low construction volumes or in small towns with a population of up to 50,000 people. The exception is the Moscow and Leningrad regions.
Families with a child under 6 years old can buy an apartment on the secondary market in cities where no more than two multi‑apartment buildings are constructed per year.
Families with a disabled child under 17 years old can buy housing on the secondary market only in regions with low construction volumes.
*Types of housing that can be purchased:
- An apartment in a new building — ready or under construction from the developer. Available for families with a child under 6 years of age, with a disabled child under 18 years of age, as well as for families with two minor children in certain regions or small towns.
- A private house — under construction or ready from the developer. You can also use the funds to build a house with the involvement of a contractor and the use of an escrow account.
Secondary housing is available in some cases. Starting in 2025, the program will extend to the secondary market in cities where no more than two apartment buildings are constructed per year. At the same time, the house must not be in a state of disrepair or older than 20 years, and the apartment must be purchased from a related party (for example, from a relative).
*Restrictions by region and conditions
Families with two underage children aged 7 to 17 can purchase an apartment in a new building in regions with low construction volumes or in small towns with a population of up to 50,000 people. The exception is the Moscow and Leningrad regions.
Families with a child under 6 years old can buy an apartment on the secondary market in cities where no more than two multi‑apartment buildings are constructed per year.
Families with a disabled child under 17 years old can buy housing on the secondary market only in regions with low construction volumes.
It all depends on whether state support measures were used.
Let’s figure out when children’s shares need to be allocated.
If, when purchasing housing using a “family mortgage,” you used: maternity capital or other subsidies that explicitly include a condition for allocating shares, then by law you are required to register the property as joint ownership of parents and children and allocate shares to the children after the encumbrance (mortgage) is removed or within the period specified in the obligation. This requirement is related to the use of state funds — the state is thus protecting children’s rights.
When is it not necessary to allocate shares?
If you took out a “family mortgage” without using maternity capital and there are no other subsidies with similar conditions, there is no direct obligation to allocate shares to children.
The housing can be registered in the name of one of the spouses or as joint ownership of the spouses.
An important nuance. Even if no shares are allocated, children retain the right to reside (if they are registered). When selling housing with children, additional requirements may arise (for example, consent from the guardianship authorities).
Conclusion:
With maternity capital, it is mandatory to allocate shares.
Without it — it’s not necessary, but it’s possible if you wish.
Let’s figure out when children’s shares need to be allocated.
If, when purchasing housing using a “family mortgage,” you used: maternity capital or other subsidies that explicitly include a condition for allocating shares, then by law you are required to register the property as joint ownership of parents and children and allocate shares to the children after the encumbrance (mortgage) is removed or within the period specified in the obligation. This requirement is related to the use of state funds — the state is thus protecting children’s rights.
When is it not necessary to allocate shares?
If you took out a “family mortgage” without using maternity capital and there are no other subsidies with similar conditions, there is no direct obligation to allocate shares to children.
The housing can be registered in the name of one of the spouses or as joint ownership of the spouses.
An important nuance. Even if no shares are allocated, children retain the right to reside (if they are registered). When selling housing with children, additional requirements may arise (for example, consent from the guardianship authorities).
Conclusion:
With maternity capital, it is mandatory to allocate shares.
Without it — it’s not necessary, but it’s possible if you wish.
The "military mortgage" is provided to military personnel participating in the accumulative mortgage system (NIS), who are eligible for a targeted housing loan on the basis of the Federal Law "On the Accumulative Mortgage Housing System for Military Personnel" No. 117-FZ.
To obtain a mortgage on special conditions, a serviceman must participate in a funded system, and after three years he will be able to purchase real estate.
Participants of the CBO can receive a "Military mortgage" from the moment of inclusion in the register of participants of the NIS, without waiting until three years have passed. The terms for issuing mortgages to participants in the special military operation can be found on the program page.
There is no difference in the amount of savings contributions: officers, warrant officers, sergeants, and soldiers receive the same amount.
The amount is set annually by Federal Law No. 415‑FZ on the federal budget.
What is the savings‑mortgage system?
The savings‑mortgage system (SMS) is a form of housing provision for contract military personnel.
A military servicemember is issued an individual savings account, to which an amount determined by the federal budget law is credited annually, until the moment of dismissal. In 2025, it amounts to 395,370.10 rubles; in 2026, it will be 411,184.9 rubles.
After three years of savings, the servicemember has the opportunity to use these funds as a down payment on a mortgage. While the service is ongoing, the state repays the loan.
Conditions for obtaining a military mortgage
Only one mortgage loan can be issued at a time, for only one property, and only by one borrower.
As already mentioned, during service, payments are transferred to the military personnel’s account, which can be used as a down payment.
The loan is issued until the service member reaches the age of 45.
To obtain a mortgage on special conditions, a serviceman must participate in a funded system, and after three years he will be able to purchase real estate.
Participants of the CBO can receive a "Military mortgage" from the moment of inclusion in the register of participants of the NIS, without waiting until three years have passed. The terms for issuing mortgages to participants in the special military operation can be found on the program page.
There is no difference in the amount of savings contributions: officers, warrant officers, sergeants, and soldiers receive the same amount.
The amount is set annually by Federal Law No. 415‑FZ on the federal budget.
What is the savings‑mortgage system?
The savings‑mortgage system (SMS) is a form of housing provision for contract military personnel.
A military servicemember is issued an individual savings account, to which an amount determined by the federal budget law is credited annually, until the moment of dismissal. In 2025, it amounts to 395,370.10 rubles; in 2026, it will be 411,184.9 rubles.
After three years of savings, the servicemember has the opportunity to use these funds as a down payment on a mortgage. While the service is ongoing, the state repays the loan.
Conditions for obtaining a military mortgage
Only one mortgage loan can be issued at a time, for only one property, and only by one borrower.
As already mentioned, during service, payments are transferred to the military personnel’s account, which can be used as a down payment.
The loan is issued until the service member reaches the age of 45.
Mortgages for the self-employed have their own characteristics. In this article, we will tell you how to apply for a mortgage for NAP payers and what mortgage programs are in place for this category of borrowers today.
What kind of mortgage can the self-employed get?
Now self-employed citizens can apply for a mortgage and mortgage programs are available to them.:
- Secondary housing
- Housing under construction
- Garage (except for the loan for individual construction)
- Suburban real estate (except for a loan for individual construction)
- Family mortgage (for the purchase of housing in a new building)
- Far Eastern and Arctic mortgages (for purchasing housing in new buildings and on the secondary market)
Mortgage terms for self‑employed individuals
The down payment amount is from 20.1% when purchasing secondary or newly built housing, and from 25.1% when purchasing a garage, parking space, or storage room, respectively.
The set of documents required to submit an application must comply with the bank’s requirements.
The application review time is the same as for other clients — from 2 minutes when submitting an online application.
What kind of mortgage can the self-employed get?
Now self-employed citizens can apply for a mortgage and mortgage programs are available to them.:
- Secondary housing
- Housing under construction
- Garage (except for the loan for individual construction)
- Suburban real estate (except for a loan for individual construction)
- Family mortgage (for the purchase of housing in a new building)
- Far Eastern and Arctic mortgages (for purchasing housing in new buildings and on the secondary market)
Mortgage terms for self‑employed individuals
The down payment amount is from 20.1% when purchasing secondary or newly built housing, and from 25.1% when purchasing a garage, parking space, or storage room, respectively.
The set of documents required to submit an application must comply with the bank’s requirements.
The application review time is the same as for other clients — from 2 minutes when submitting an online application.
Large families can receive up to 450,000 rubles to pay off a mortgage loan and the interest on it due to the birth of a third or subsequent child.
What documents to collect, in which cases a subsidy payment is provided, how long it takes to receive it, and how to do this without visiting a bank — we answer these and other questions in the article, as well as in the video.
Please note that the conditions for receiving housing subsidies and benefits change approximately once a year. The information in the video is current as of the publication date: early 2026.
How the program works
Families whose third or subsequent child was born between January 1, 2019, and December 31, 2030, can receive a payment to pay off their mortgage. The loan agreement must be signed by July 1, 2031.
The scheme for receiving a subsidy to pay off a mortgage debt works as follows: clients submit an application and documents to the bank where they took out the mortgage loan; the bank verifies them and forwards them to the program operator — DOM.The Russian Federation, which conducts the final review of applications and makes a decision either to pay the subsidy or to refuse it. The payments are made to repay the debt on mortgage housing loans for citizens of the Russian Federation who are entitled to state support measures in the established amount.
Large families can submit an application and documents to receive a subsidy of 450,000 rubles to pay off a mortgage at any time online — without having to visit a bank — on the “Gosuslugi” portal, after first logging in. If you are not yet registered on the portal, follow the instructions.
In this case, the application is directly submitted for review to DOM.RF. Next, DOM.RF independently requests all the necessary information about the mortgage loan from the bank and makes a decision on the payment of the subsidy.
The subsidy may be less than 450,000 rubles if the remaining amount for interest and the loan debt is lower, respectively.
What documents to collect, in which cases a subsidy payment is provided, how long it takes to receive it, and how to do this without visiting a bank — we answer these and other questions in the article, as well as in the video.
Please note that the conditions for receiving housing subsidies and benefits change approximately once a year. The information in the video is current as of the publication date: early 2026.
How the program works
Families whose third or subsequent child was born between January 1, 2019, and December 31, 2030, can receive a payment to pay off their mortgage. The loan agreement must be signed by July 1, 2031.
The scheme for receiving a subsidy to pay off a mortgage debt works as follows: clients submit an application and documents to the bank where they took out the mortgage loan; the bank verifies them and forwards them to the program operator — DOM.The Russian Federation, which conducts the final review of applications and makes a decision either to pay the subsidy or to refuse it. The payments are made to repay the debt on mortgage housing loans for citizens of the Russian Federation who are entitled to state support measures in the established amount.
Large families can submit an application and documents to receive a subsidy of 450,000 rubles to pay off a mortgage at any time online — without having to visit a bank — on the “Gosuslugi” portal, after first logging in. If you are not yet registered on the portal, follow the instructions.
In this case, the application is directly submitted for review to DOM.RF. Next, DOM.RF independently requests all the necessary information about the mortgage loan from the bank and makes a decision on the payment of the subsidy.
The subsidy may be less than 450,000 rubles if the remaining amount for interest and the loan debt is lower, respectively.
There is a belief that it is much more difficult for an individual entrepreneur (IE) to obtain a mortgage loan than for a person with an employment contract and a stable monthly income. We examine whether this is true and what banks actually pay attention to. What mortgage programs are available for IE An individual entrepreneur can apply for any Sber mortgage program, including the state program “Family Mortgage”. The terms and requirements will differ depending on the program. The exception is “Mortgage for IT specialists”. An individual entrepreneur can apply for a mortgage if he or she is over 18 years old, has no debts, and has a positive credit history and at least three months of experience as an individual entrepreneur. This is an optional condition, but it is desirable that he be registered as an entrepreneur for at least 1 year. Of course, this does not guarantee the approval of the application, but there is still a chance.What documents do individual entrepreneurs need to obtain a mortgage? In addition to the tax return, an individual entrepreneur will need a standard set of documents to obtain a mortgage.: - passport; - an extract from the Unified State Register of Individual Entrepreneurs (USRIE). Additional documents may also be required, depending on the chosen mortgage program. The transaction support manager will be able to advise you on the required documents.
So, the house is built, you’ve signed the acceptance and transfer deed, and you’ve received the keys. That means the main worries are behind you. But there are a number of formalities you shouldn’t forget about if you’ve bought an apartment with a mortgage.
We’ll tell you what you need to do after receiving the keys.
Step 1: Registering ownership rights
Ownership rights to an apartment in a new building are registered through Rosreestr. Before contacting the agency, you need to make sure that the building has been registered with the cadastral office — this is often done before signing the deed, as the procedure can take up to six months after the facility is put into operation.
You will need to collect a package of documents:
- a shared participation agreement or an assignment of rights to claim;
- an apartment acceptance and transfer deed (drawn up individually for all shareholders specified in the agreement);
- passports of the shareholders;
- a receipt for payment of the state fee for real estate registration (in 2026 — 4,000 rubles, if the cadastral value does not exceed 20 million rubles);
- a marriage certificate — if the property is registered as joint property of the spouses.
- if the registration process is conducted by a representative, his passport and a notarized power of attorney will be required.;
- if the apartment was purchased with a mortgage, it is necessary to include a loan agreement and a copy of it in the package of documents.
After registration, they will give you an extract from the Unified State Register of Legal Entities — proof of ownership, as well as an act of acceptance and transfer with a note on registration. If the house was bought with a mortgage, there will be a note of encumbrance in the EGRN statement.
Step 2. Appraisal Report
An appraisal report for an apartment is required if the apartment was purchased with a mortgage. Independent experts determine the market value of the property, as the apartment remains pledged until the mortgage is fully repaid.
You can order an appraisal immediately after signing the acceptance and transfer document. Banks have a list of appraisal organizations they cooperate with, but you can choose a company yourself (the main requirement is that it must be included in the register of self‑regulatory organizations of appraisers). The borrower has three months to submit the report to the bank. If this is not done, the lender will charge a penalty.
Step 3. Property insurance. If the apartment is subject to bank collateral, it must be insured by law. Important: it is impossible for an individual to enter into an insurance contract for a specific apartment during the construction phase — during this period, the risk is borne by other parties.
We’ll tell you what you need to do after receiving the keys.
Step 1: Registering ownership rights
Ownership rights to an apartment in a new building are registered through Rosreestr. Before contacting the agency, you need to make sure that the building has been registered with the cadastral office — this is often done before signing the deed, as the procedure can take up to six months after the facility is put into operation.
You will need to collect a package of documents:
- a shared participation agreement or an assignment of rights to claim;
- an apartment acceptance and transfer deed (drawn up individually for all shareholders specified in the agreement);
- passports of the shareholders;
- a receipt for payment of the state fee for real estate registration (in 2026 — 4,000 rubles, if the cadastral value does not exceed 20 million rubles);
- a marriage certificate — if the property is registered as joint property of the spouses.
- if the registration process is conducted by a representative, his passport and a notarized power of attorney will be required.;
- if the apartment was purchased with a mortgage, it is necessary to include a loan agreement and a copy of it in the package of documents.
After registration, they will give you an extract from the Unified State Register of Legal Entities — proof of ownership, as well as an act of acceptance and transfer with a note on registration. If the house was bought with a mortgage, there will be a note of encumbrance in the EGRN statement.
Step 2. Appraisal Report
An appraisal report for an apartment is required if the apartment was purchased with a mortgage. Independent experts determine the market value of the property, as the apartment remains pledged until the mortgage is fully repaid.
You can order an appraisal immediately after signing the acceptance and transfer document. Banks have a list of appraisal organizations they cooperate with, but you can choose a company yourself (the main requirement is that it must be included in the register of self‑regulatory organizations of appraisers). The borrower has three months to submit the report to the bank. If this is not done, the lender will charge a penalty.
Step 3. Property insurance. If the apartment is subject to bank collateral, it must be insured by law. Important: it is impossible for an individual to enter into an insurance contract for a specific apartment during the construction phase — during this period, the risk is borne by other parties.
Conditions for receiving a deduction:
1. Citizenship of the Russian Federation and tax residence. The deduction is available only to Russian citizens who live in the country for at least 183 days a year and pay personal income tax.
2. Official income subject to personal income tax. The following persons have the right to deduct:
-employees under an employment contract from whom personal income tax is withheld;
-individual entrepreneurs (sole proprietors) on the general taxation system (OSN);
-pensioners, if they worked and paid personal income tax in the last three years before buying the property.
1. Registration of real estate as property. The right to a deduction arises from the date of state registration of ownership rights.
2. The real estate was purchased on the territory of Russia.
3. Payment was made using personal funds or a mortgage loan. You cannot receive a deduction if the housing was paid for using employer funds, budget funds, maternity capital, or other subsidies.
4. The seller is not a close relative or a related party. A transaction between spouses, parents and children, siblings, and other related parties does not grant the right to a deduction.
7. The deduction was not used in full earlier (if the purchase was made after 2014, the limit can be distributed across several properties within the total amount).
Types of deductions:
1. When purchasing or building a home. The limit is 2 million rubles. You can include expenses for finishing if the apartment was purchased without it, and this condition is specified in the contract.
2. When repaying interest on a mortgage loan. The limit is 3 million rubles. The deduction is available only for one property.
Required documents
To apply for a deduction, you will need:
- passport;
- an extract from the Unified State Register of Legal Entities or a certificate of ownership of real estate;
- contract of sale, equity participation or assignment of the right of claim;
- certificate of acceptance and transfer of a real estate object;
- checks, receipts, payment orders and other documents confirming the payment;
- personal income statement (form 2-personal income tax) for the year for which the deduction is requested;
- if the property was purchased during the marriage and its value is less than 4 million rubles, a statement on the distribution of the property tax deduction between spouses;
- for the deduction on mortgage interest, a loan agreement and a bank statement showing the amount of interest paid.
If someone else made the payments, a power of attorney for payment will be required.
Methods of obtaining a deduction
1. Through the employer. You need to submit an application to the tax authority confirming the right to the deduction. After receiving a notification from the Federal Tax Service, the employer will stop withholding personal income tax from the salary and will pay it along with the salary.
2. Through the tax office. The 3‑NDFL declaration and documents are submitted in the year following the purchase of the property. The verification will take up to 3 months, and the funds will be transferred within 30 days after approval.
3. Under a simplified procedure. If the right to a deduction arose after 2020, the bank through which the payment was made is connected to the information exchange system with the Federal Tax Service, and the taxpayer has a personal account on the Federal Tax Service website, the deduction can be applied for online. A pre-filled application will be sent to your personal account, which you need to check, specify the account details for crediting funds, sign and send.
Additional nuances
You can only return the personal income tax that has been paid over the past three years.
If the deduction amount is not exhausted during the year, the balance can be transferred to the following years.
Parents can include the share of a minor child in their deduction. At the same time, the limit of 2 million rubles is not increased, but in the future the child will be able to apply for his deduction when buying real estate.
For a more individual and detailed consultation, it is recommended to contact our specialists.
1. Citizenship of the Russian Federation and tax residence. The deduction is available only to Russian citizens who live in the country for at least 183 days a year and pay personal income tax.
2. Official income subject to personal income tax. The following persons have the right to deduct:
-employees under an employment contract from whom personal income tax is withheld;
-individual entrepreneurs (sole proprietors) on the general taxation system (OSN);
-pensioners, if they worked and paid personal income tax in the last three years before buying the property.
1. Registration of real estate as property. The right to a deduction arises from the date of state registration of ownership rights.
2. The real estate was purchased on the territory of Russia.
3. Payment was made using personal funds or a mortgage loan. You cannot receive a deduction if the housing was paid for using employer funds, budget funds, maternity capital, or other subsidies.
4. The seller is not a close relative or a related party. A transaction between spouses, parents and children, siblings, and other related parties does not grant the right to a deduction.
7. The deduction was not used in full earlier (if the purchase was made after 2014, the limit can be distributed across several properties within the total amount).
Types of deductions:
1. When purchasing or building a home. The limit is 2 million rubles. You can include expenses for finishing if the apartment was purchased without it, and this condition is specified in the contract.
2. When repaying interest on a mortgage loan. The limit is 3 million rubles. The deduction is available only for one property.
Required documents
To apply for a deduction, you will need:
- passport;
- an extract from the Unified State Register of Legal Entities or a certificate of ownership of real estate;
- contract of sale, equity participation or assignment of the right of claim;
- certificate of acceptance and transfer of a real estate object;
- checks, receipts, payment orders and other documents confirming the payment;
- personal income statement (form 2-personal income tax) for the year for which the deduction is requested;
- if the property was purchased during the marriage and its value is less than 4 million rubles, a statement on the distribution of the property tax deduction between spouses;
- for the deduction on mortgage interest, a loan agreement and a bank statement showing the amount of interest paid.
If someone else made the payments, a power of attorney for payment will be required.
Methods of obtaining a deduction
1. Through the employer. You need to submit an application to the tax authority confirming the right to the deduction. After receiving a notification from the Federal Tax Service, the employer will stop withholding personal income tax from the salary and will pay it along with the salary.
2. Through the tax office. The 3‑NDFL declaration and documents are submitted in the year following the purchase of the property. The verification will take up to 3 months, and the funds will be transferred within 30 days after approval.
3. Under a simplified procedure. If the right to a deduction arose after 2020, the bank through which the payment was made is connected to the information exchange system with the Federal Tax Service, and the taxpayer has a personal account on the Federal Tax Service website, the deduction can be applied for online. A pre-filled application will be sent to your personal account, which you need to check, specify the account details for crediting funds, sign and send.
Additional nuances
You can only return the personal income tax that has been paid over the past three years.
If the deduction amount is not exhausted during the year, the balance can be transferred to the following years.
Parents can include the share of a minor child in their deduction. At the same time, the limit of 2 million rubles is not increased, but in the future the child will be able to apply for his deduction when buying real estate.
For a more individual and detailed consultation, it is recommended to contact our specialists.
Real estate is a surefire investment option. Firstly, apartments, especially in new buildings, definitely won’t lose their value. Secondly, there is a stable demand for rental housing in large cities. We’ll tell you what criteria to use when choosing a promising apartment that will help you make money.
1. Modern layout
Perhaps one of the key criteria. The level of comfort largely depends on the layout, and it’s quite difficult to change it, and in some cases, it’s impossible. For investment purposes, it’s better to choose an apartment in the European format — lately, options with kitchen‑living rooms have been gaining increasing popularity.
2. Neutral finish
A concise finish in calm and light tones is the best option for an investment apartment. A neutral interior will allow the future tenant or buyer to implement various design solutions and add something of their own to the apartment.
3. Infrastructure in the long term
When buying an investment apartment, it’s important to study the infrastructure of the future residential complex and the prospects for the area’s development. When a new neighborhood is just beginning to be built, there may be no shops, schools, or kindergartens nearby. The main thing is that all of this is planned: every new infrastructure facility within walking distance makes the apartment more attractive.
4. Window view
A good window view will make your apartment more appealing to buyers and tenants and help it stand out from the competition. When buying a home with this advantage, study the area’s development prospects and make sure that the picturesque landscape won’t be obscured by new construction phases.
1. Modern layout
Perhaps one of the key criteria. The level of comfort largely depends on the layout, and it’s quite difficult to change it, and in some cases, it’s impossible. For investment purposes, it’s better to choose an apartment in the European format — lately, options with kitchen‑living rooms have been gaining increasing popularity.
2. Neutral finish
A concise finish in calm and light tones is the best option for an investment apartment. A neutral interior will allow the future tenant or buyer to implement various design solutions and add something of their own to the apartment.
3. Infrastructure in the long term
When buying an investment apartment, it’s important to study the infrastructure of the future residential complex and the prospects for the area’s development. When a new neighborhood is just beginning to be built, there may be no shops, schools, or kindergartens nearby. The main thing is that all of this is planned: every new infrastructure facility within walking distance makes the apartment more attractive.
4. Window view
A good window view will make your apartment more appealing to buyers and tenants and help it stand out from the competition. When buying a home with this advantage, study the area’s development prospects and make sure that the picturesque landscape won’t be obscured by new construction phases.
Contacts
Krasnodar, Severnaya Street, 389, 4th floor, office 18
+7 (918) 021-09-09
+7 (918) 021-09-09
