Applying for a family mortgage. Who is eligible: families whose child was born between 1 January 2018 and 31 December 2022, and families raising a child with a disability. Conditions: taking out or refinancing a mortgage at up to 6% annually. Loan amount: up to 6 million rubles*, term: up to 30 years. Other programmes, including subsidized and Far Eastern mortgages, remain available. * Up to 12 million rubles in Moscow, the Moscow Region, St Petersburg and the Leningrad Region.
Applying for maternity capital. Who is eligible: families whose first child was born from January 2020; families whose second or subsequent child was born after January 2007. Conditions: in 2022, maternity capital for a first child will be 524,000 rubles; for a second or subsequent child, 693,000 rubles. The funds may be used, among other things, to repay a mortgage or make a down payment.
Property tax deduction for buying housing. Who is eligible: anyone who bought housing and pays personal income tax. Conditions: the maximum refund is 260,000 rubles for one person or 520,000 rubles for legally married spouses.
Tax deduction for mortgage interest when buying a home. Eligible: anyone who bought a home with a mortgage and pays personal income tax. Conditions: up to 13% of mortgage interest paid can be refunded. The maximum is RUB 390,000 for one person and RUB 780,000 for legally married spouses.
RUB 450,000 to repay a mortgage. Who is eligible: large families whose third or subsequent child was born between 1 January 2019 and 31 December 2022. Conditions: RUB 450,000 may be used to repay a mortgage if the loan agreement was signed before 1 July 2023.