Russia Mortgage Calculator (Ipoteka)
Russia mortgage (ипотека) calculator for 2026. The standard market rate floats with the Central Bank of Russia key rate and was around 25 to 28% in 2026, making subsidized programs essential for most buyers. Family Mortgage (Семейная ипотека) at 6% is available to families with at least one child born from 2018 onward or under age 7, max loan 12 million RUB in Moscow and Saint Petersburg, 6 million RUB elsewhere, runs through 1 July 2030. IT Mortgage at 5% is available to accredited IT employees under 50 with minimum salary requirements that vary by region. Far East Mortgage at 2% serves residents of the Far East federal district under age 35. Maternity Capital, around 630,000 RUB for the first child in 2026, can be used as part of the down payment. Standard down payment is 15 to 20% for subsidized programs and 20 to 30% for market-rate loans.
Contexto de la Regla Regional
Russia Tasas y Reglas
Russia 2026 mortgage rates: standard market 25-28% (varies with CBR key rate). Subsidized programs: Family Mortgage 6%, IT Mortgage 5%, Far East Mortgage 2%. Maternity Capital ~630,000 RUB usable as down payment. Min down payment: 15-20% subsidized, 20-30% market. Max term: 30 years. Family mortgage runs through 2030.
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Aviso: Aviso: Esta calculadora usa reglas publicas vigentes desde la fecha indicada. Los resultados son solo informativos. Verifique con fuentes oficiales. Ultima revision: 1 abr 2026.
Formula
P is the loan principal (home price minus down payment), r is the monthly interest rate (annual rate divided by 12), and n is total payments (term in years times 12). The formula calculates principal and interest only. Property tax, insurance, PMI, and HOA are added separately for the total monthly payment.
Preguntas Frecuentes
What is the family mortgage rate in 2026?
The family mortgage program (Семейная ипотека) is 6% per year for 2026. It is available to families with at least one child born from 2018 onward or with a child under 7. Maximum loan is 12 million RUB in Moscow and Saint Petersburg, 6 million RUB in other regions. The program runs through 1 July 2030.
How does the IT mortgage program work?
The IT mortgage offers 5% per year to employees of accredited Russian IT companies. Requirements: under age 50, minimum salary (around 100,000 RUB in regional cities, 150,000 RUB in Moscow), and confirmation of accredited employer. Maximum loan is 18 million RUB in major cities, 9 million RUB elsewhere. Available through 2030.
What is the monthly payment on a 10 million RUB family mortgage?
At 6% over 20 years with 2 million down (8 million loan): monthly payment is approximately 57,328 RUB, total interest over the life of the loan is about 5.76 million RUB. Compare to the same loan at 25% market rate: monthly payment jumps to roughly 167,000 RUB.
Can I use maternity capital as the down payment?
Yes. Maternity Capital (Материнский капитал, around 630,000 RUB for the first child and 833,000 RUB total for the second in 2026) is one of the most common sources of down payment for Russian families. You can combine it with personal savings to reach the bank's minimum down requirement.
Can foreigners get a Russian mortgage?
Yes, foreign nationals can borrow from major Russian banks like Sberbank and VTB, but typical requirements include legal residency, a long-term visa, Russian-employer income verified by 2-NDFL, and a higher down payment of 30 to 50%. Subsidized programs are generally restricted to Russian citizens.
Is there a penalty for early mortgage repayment?
No. Russian federal law guarantees the right to early repayment without penalty. You can choose to either reduce your monthly payment (keeping the term the same) or shorten the term (keeping the payment the same). Notify your bank in writing at least 30 days before the early payment.
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