Russia's Family Mortgage programme eases rules for borrowers in 2026
New rules for Russia’s Family Mortgage programme came into force on 1 February 2026. The changes simplify paperwork for borrowers and adjust how a child’s residence is verified. Officials have also clarified property registration steps for participants. The updated regulations ease the process of confirming a child’s registration address. Families now need fewer documents to prove where a child lives. If the child is 14 or older, a passport with a registration stamp can be submitted as part of the package.
The programme now allows additional co-borrowers to join the loan, even if they have no children of their own. These extra applicants also do not need to involve their spouses in the agreement. Their inclusion can help strengthen the family’s overall creditworthiness, provided the parents are legally married. For married couples, the primary borrower no longer has to share the same address as their children. However, the rules on collateral remain unchanged—third parties still cannot hold shares in the mortgaged property. The list of required documents for all borrowers has been revised since February. Officials have also provided clearer instructions on registering property under the programme.
The adjustments aim to make the Family Mortgage scheme more accessible for eligible families. Simplified paperwork and broader co-borrower options could help more applicants qualify. The updated rules apply to all new loan agreements signed from 1 February 2026 onwards.
