СЕМЕЙНАЯ ИПОТЕКА: когда отменят, кто успел заработать и почему квартиры подорожали

Family mortgages may change starting July 1, 2026: I examine the possible cancellation, new rates, and the risks of buying a new apartment right now for a family. The government has been instructed to modernize the program, but this instruction and the already approved rules are not the same thing. In this video, we separate official information from rumors about 10-12% rates, explore who may have a harder time getting a loan, and why a low interest rate doesn't necessarily mean a cheap apartment. What we'll cover: — Will family mortgages be canceled after July 1, 2026? — What changes and new conditions are actually being discussed? — What does differentiated rates based on the number of children mean? — Why payments may increase especially significantly for families with one child? — How banks are already checking the income, employment, documents, and credit history of spouses; — Can the down payment, loan limit, and minimum apartment size be changed? — Why are regional restrictions and linking purchases to the place of registration being discussed? — Why can a family mortgage be redirected to individual housing construction? — How much do you have to pay with rates of 6%, 8%, 10%, and 12%? — How can a developer's subsidized rate be hidden in the increased price of an apartment? — What will happen to new-build prices if affordable rates are left to fewer families? — Should you buy an apartment before July 1st, or is it better to wait for official decisions? The main risk for a buyer is looking only at the attractive rate and not considering the apartment price, down payment, monthly payment, and the final overpayment. The developer may offer a lower interest rate but add the cost of this attractive rate to the contract. And a family mortgage suddenly becomes a family mortgage only for the bank. Pan-buying an apartment based on rumors is not recommended. But if the purchase is already planned, the apartment is chosen, the down payment is collected, and the current payment terms are comfortable for the family, delaying the decision can also cost money. You shouldn't compare 6% and 12% on an advertising banner, but the full cost of the apartment and the loan. I help you find apartments in new buildings in St. Petersburg and the Leningrad Region, check the developer's terms, compare mortgage programs, and avoid overpaying for the marketing rate. My work is commission-free for the buyer—the developer pays for it. Website: https://genagent.pro Telegram: https://t.me/genagent VK: https://vk.com/genagentpro Contact: https://wa.me/79675373777 Would you apply for a family mortgage before July 1st due to the risk of new terms, or would you wait for an official decision? 00:00 Will family mortgages be cancelled from July 1, 2026? 00:27 Why does the state need family mortgages? 03:08 Family mortgages and the birth rate: is the program working? 05:56 Family mortgages as support for the new building market 07:31 Why preferential mortgages have driven up apartment prices 09:20 Family mortgages as a new housing privatization 12:37 How preferential mortgages have changed the real estate market 15:19 Why family mortgages may be cancelled or reduced 17:16 Budget expenditures, inflation, and cheap mortgages 19:34 What is happening with the new building market now? 22:33 New terms for family mortgages from July 1 24:49 Family mortgage rates depending on the number of children 26:13 Will the family mortgage limit be increased in Moscow? St. Petersburg 28:07 Studio ban and minimum apartment size for family mortgages 29:48 Will they grant a family mortgage if they already have an apartment? 30:53 Family mortgages based on registration and region of residence 33:36 Why studios and one-room apartments were purchased with family mortgages 35:10 Family mortgages for individual housing construction and private home construction 37:02 What will happen to family mortgages and the housing market? 40:19 Family mortgages: assistance to families or support for developers 41:01 How have family mortgage terms changed in Russia? 42:54 What may change in family mortgages before July 1st? 45:24 What will happen to new building prices after the changes? 45:54 Why new rates may increase apartment prices 48:39 Family mortgage forecast and important caveats 49:42 Why your support helps development Channel 50:38 Telegram, VK and end of episode #familymortgage #mortgage2026 #newbuildingsSPB #realestateSPB #GENAGEN