The budget will spend up to 60 billion due to the new family mortgage rate system

Budget expenditures on the family mortgage program may increase to 60 billion rubles within six months after the introduction of differentiated rates. This forecast is contained in the calculations of the Analytical Research Center. Business. Law", which were reviewed by Izvestia. According to experts, each increase in the volume of disbursements by 1 billion rubles will require an additional 40 million rubles from the budget. By the end of the year, Russians can apply for mortgage loans for about 1.5 trillion rubles more.

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The discussion on the differentiation of family mortgage rates has been going on since the spring of 2025. Then the State Duma proposed to consider the possibility of linking the terms of the program to the region of residence and the number of children in the family. Later, the initiative was supported by Deputy Prime Minister Marat Khusnullin, noting that the Cabinet is working on various options. In August, Chairman of the State Duma Vyacheslav Volodin announced plans to introduce different rates for regions depending on income levels. According to him, today the conditions are the same for Moscow and regions with lower salaries, and this requires changes. The initiative is currently being discussed in the government.

Experts "Analysts. Business. Pravda is considering three options for introducing differentiated rates: equalizing the debt burden to the Moscow level, where interest in poor regions can drop to almost 2% and cost the budget 48-60 billion rubles in six months; linking rates to salary levels, which will require 20-50 billion rubles; and a step-by-step system with a range of 6% in rich regions. up to 4% in the lowest-income areas, where costs are estimated at 5-22 billion rubles.