Family mortgage has changed, but 6% on IHS remained

A house for a large family

For many families, owning a home is an opportunity to get more space to live and spend time outdoors. At the same time, the infrastructure nearby is also important: schools, kindergartens, medical institutions and sports sections.

According to DOM.PF, among those who build their own house today, 38% are families with two or more children, another 31% are raising one child. About 1.4 million homes are considering having children in the next five years. One in seven is planning a third or subsequent child.

Chairman of the Supervisory Board of the Institute of Demography, Migration and Regional Development Yuri Krupnov notes that the environment is of great importance for families with children:

“If the house is the whole environment, full-fledged infrastructure and even multi-infrastructure, that is, school, kindergarten, healthcare, cultural institutions, circles, decent employment for the population, then the house is a fundamental moment for creating a family with several children,” the expert said.

Kirill Novikov, the father of the Novikov family from Pushkin, Moscow region, believes that his home is, above all, an opportunity to create a cozy and peaceful space for life. So that each child has his own room, parents have a place to work and relax, and the whole family has a space where you can spend time outdoors. “For me, this is a real home comfort. Now, after the birth of the second child, the question arose how to expand the living space. For us, the answer is obvious – we take a preferential family mortgage for a private house, says Kirill. Reasons for this choice, including financial ones. “Family” on IHS is still provided at 6% per annum.

Family Mortgages: What Has Changed

From October 1, 2026, the Ministry of Finance introduced new rules for the Family Mortgage when buying apartments in new buildings: a differentiated rate scale was introduced depending on the number of children and the region. At the same time, for individual housing construction under a preferential family mortgage program, the rate of 6% per annum is maintained.

The program is available to families who have a child under the age of seven years inclusive or a child with a disability. The rate does not depend on the number of children and the region of residence.

Funds can be used for the construction of a house on your own plot, the purchase of land with subsequent construction or the completion of work already begun.

According to DOM.RF Bank, the size of loans for IHS, depending on the region, ranges from 6 to 10 million rubles. The specific amount depends on the cost of the project and the financial capabilities of the family.

How to Protect Money in Construction

When building a private house, it is important not only to choose a project and a contractor, but also to protect investments. To do this, according to the law, the mechanism of escrow accounts is used: the mortgage loan money is stored in a special bank account and transferred to the contractor after the completion of construction and registration of ownership of the house.

This system protects money if construction is not completed.

Igor Rudenko, director of the block of mortgage products of DOM.RF Bank, notes that preferential programs significantly affected the development of the private house market.

“In five years, mortgages on private homes have become a much more prominent part of the market. An important role here was played by the spread of preferential programs for construction, the expert says.

According to the bank, in the first nine months of 2026, preferential programs accounted for 93% of the total number of loans issued to private homes. For a family mortgage, 82%.