The government allowed to combine a family mortgage with a market

The amount of the preferential loan remains at the level of 6 million rubles, but now it can be combined with an additional amount taken at the market rate. As a result, the maximum amount of such a loan can be 30 million rubles.

The government allowed to combine a family mortgage with a market one. The loan amount under such a program will be 15 million rubles, of which 6 million rubles. can be borrowed at a reduced rate of 6% per annum.

On Wednesday, May 18, Russian Prime Minister Mikhail Mishustin announced an increase in the limits on preferential and family mortgages. The size of preferential mortgages will be increased to 30 million rubles, for family mortgages - up to 15 million rubles. Deputy Prime Minister of RUSSIA Marat Khusnullin clarified to journalists that we are talking about a combined method.

“The government allowed to combine the preferential rate with the market or other subsidized one. To do this, the amount of the loan was increased, which can be taken using a preferential rate up to 30 million and 15 million rubles. respectively, while 12 million and 6 million rubles. will be subsidized by the state, the rest of the amount may be issued at a market or other subsidized rate. The same mechanism works for family mortgages,” said Marat Khusnullin, quoted by the press service.

“Thus, the opportunities for improving the living conditions of citizens are significantly expanding,” he added.

In early May, the government allowed to combine preferential mortgages for new buildings with a market one. Thus, the maximum loan amount will increase to 30 million rubles. for Moscow, St. Petersburg, Moscow and Leningrad regions and up to 15 million rubles. for other regions. According to experts interviewed by RBC-Nedvizhimost, the combination of preferential and market mortgages expands the possibilities of borrowers in terms of the maximum loan amount. That is, the borrower can buy an apartment of greater value, area or higher class.

Basic parameters of a family mortgage Rate: no more than 6% per annum Loan amount: for regions - 6 million rubles, Moscow, Moscow region, St. Petersburg, Leningrad region - 12 million rubles. Loan term: up to 30 years Down payment: from 15% What applies to: new buildings, individual housing construction Period of the program: until December 31, 2023

Who can apply:

- families in which the first child or subsequent children were born from January 1, 2018 to December 31, 2022 can expect to receive a mortgage at a reduced rate of up to 6%; families in which a child with a disability is brought up; parents of adopted children

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