Mortgage demand has increased amid lower interest rates at the beginning of the year

In the first quarter of 2026, demand for mortgage loans in Russia increased by 6% compared to the same period last year. This was announced to Izvestia on April 13 by analysts of the <url> financial marketplace.

"The market is entering a phase of structural adjustment: against the background of changing conditions for preferential programs and their greater targeting, demand for them is naturally decreasing, while borrowers are gradually returning to market mortgages," said Yaroslav Badzhurak, Executive director of the service.

According to analysts, January and February provided the main contribution to demand growth. In January, mortgage interest increased by almost 11% compared to the previous month, and by about 9% in February. In March, the dynamics gave way to a decrease of about 9%, but this did not affect the overall positive result of the quarter.

At the same time, the structure of demand has also changed. Thus, preferential programs showed a decrease: interest in family mortgages decreased by 26% compared to the previous quarter, in rural mortgages by about 20%, and in mortgages for IT specialists by 7%. At the same time, demand for military mortgages increased by 17% quarter-on-quarter, while Far Eastern mortgages remained at the same level.

"In the coming months, the dynamics may remain restrained — the market is still adapting to new conditions, and banks are tightening requirements for borrowers. A more noticeable increase is possible in the second half of the year if rates approach the level of 15% or lower," concluded Badjurak.

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On April 8, Russian Deputy Prime Minister Marat Khusnullin announced that the government was considering increasing the limit on family mortgages and introducing a differentiated rate for the number of children. According to him, various options for changes are currently being worked out and their impact on the mortgage market, family budgets and the demographic situation is being assessed.

On the same day, Khusnullin said that maintaining a preferential mortgage was a necessary measure. According to him, the authorities expect that lowering the key interest rate will reduce the amount of budget support. He noted that changes to mortgage programs, including family ones, are currently being considered.

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