Семейную ипотеку ждут серьезные изменения // Кому откажут? // Как снизить рыночную ставку?

MORTGAGE APPROVAL LINK: https://clck.ru/3PEfTB We'll tell you more about what will happen to family mortgages in 2026 in our podcast 🧐 🔥 WhatsApp "2026" and get a free quote from experts! ✅ Schedule a free consultation: https://wa.clck.bar/79095432110 📲 Phone: 23-21-10 📥 Want to know the prices of residential complexes and country houses in Tomsk? Download our real estate magazine in our Telegram → https://t.me/+QfbSwFkCslg3ZWEy 00:00 - Start 01:26 - Current terms of family mortgages 03:03 - Family mortgages and the Young Family program. Do you need to be married to take out a family mortgage? 04:05 - Differences in conditions in other regions 05:10 - December 23, 2023 06:23 - Two family mortgages per family 09:05 - Both spouses lose the right to use a family mortgage again 09:48 - If you took out a family mortgage before December 23, 2023 10:42 - What if another child is born? 11:16 - No need to go for an "expansion"... yet 12:23 - Does divorce affect a family mortgage? 13:50 - If you took out a family mortgage after December 23, 2023 16:20 - Studios up to 28 sq. m 16:49 - Differentiated rate - up to 12% for one child 17:44 - Restricted by region of registration 19:08 - Apartments with furniture and appliances 21:10 - Spouses as co-borrowers. Bad credit history, bankruptcy - family mortgages will not be approved 23:50 - If you have a credit card or purchases on an installment plan, will you be denied a family mortgage? 27:28 - About bankruptcy 28:17 - If you don't qualify for a family mortgage, how do you apply for one? 32:57 - How to lower the market rate with a preferential mortgage? 37:04 - Family mortgage for country houses 38:26 - Special programs: trade-in, installment plans 39:09 - Important: GPZU, land, cadastral registration when buying country real estate 40:27 - How not to lose a family mortgage when buying a house. Check the land plot and more! 43:30 - New buildings in Tomsk: promotions and offers 45:10 - "Easy Moving" promotion 48:50 - Refinancing at 6% 51:19 - Summary 52:20 - Who should hurry? In the podcast, you will learn: 🔹 Who will lose their right to a Family Mortgage from February 1, 2026? 🔹 Why might you be denied a mortgage even at the time of purchase if you're buying a vacuum cleaner or TV on an installment plan? 🔹 How might the interest rate change? 🔹 Can you get a family mortgage in 2026 if you don't have children? And if so, under what conditions? 🔹 Apartments in new buildings with furniture and appliances 🔹 How can you avoid "losing" a family mortgage when buying a house? 🔹 In which regions can you not buy an apartment in a new building with a family mortgage? Subscribe to the channel and share your opinions in the comments – we want to know what you think! 😉 See also our full reviews of other projects and changes: ✅ How IT mortgages have changed:    • Айти-ипотека в 2024 году // Как изменились...   ✅ New Family Mortgage terms:    • Что стало с семейной ипотекой после 1 июля...   ✅ Levoberezhny Life review:    • Левобережный Лайф: смотрим черновую отделк...   ✅ How much do studios cost:    • Сколько стоят студии и однокомнатные в нов...   ✅ Podcast about real estate in MOSCOW:    • ПОДКАСТ О НЕДВИЖИМОСТИ/ Москва или Томск/ ...   ✅ Mikhailovsky Park vs. ParaPark vs. Residential Complex Composition:    • Михайловский парк vs ПараПарк vs Левобереж...   ✅ Kvartal 1604 Residential Complex Review:    • Самая высокая новостройка - ЖК Квартал 1604   ✅ Arkady Ivanov Residential Complex Review:    • Обзор нового жилого комплекса Аркадия Иван...   ✅ Duplex Review:    • Обзор мкр. Заповедный: почему дуплекс - ид...   ✅ Choosing a Home:    • Загородный марафон новостроек 2023   ✅ Overview of houses in Kornilovo:    • Загородные дома в Корнилово   ✅ Best-selling cottages:    • Самые продаваемые коттеджи в Томске // Обз...   ✅ Country real estate trends:    • Как купить дом в Томске? Тренды загородног...   ✅ Top cottages:    • Ключ 16%, а дом можно купить под 3%. На ры...   ✅ How to choose your dream home:    • Как выбрать дом мечты за 2 дня? Сезон заго...   ✅ House or apartment?:    • Что выбрать: квартиру или загородный дом? ...   ✅ Sloboda Volnaya:    • Не покупайте дом в Томске, пока не посмотр...   ✅ Berezy Khutor Review:    • Современные дома от 7438200₽ // Обзор котт...   Our social media 🔥 All the news on our Telegram channel: https://t.me/samoletplustomsk 🔥 Our Instagram:   / samoletplustomsk   #realestate #tomsk #domatomsk #familymortgage #realestatetomsk #newbuildings #realestateinvestments #banks #preferentialmortgage #centralbank #familymortgage #ITmortgage #investments #realestate2025 #countryrealestate #cottages #individualhousingconstruction #countryhouse #buildahouse #construction #ruralmortgage