Russian Mortgage Market Surges 3.4x in January 2026: Front-Running Demand Precedes New Subsidy Rules

2026-02-08T21:28:11+03:00

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Russian Mortgage Market Surges 3.4x in January 2026: Front-Running Demand Precedes New Subsidy Rules

The Russian mortgage market witnessed a dramatic year-on-year expansion in January 2026. According to DOM.RF data, the number of loans issued spiked 2.7 times to 87,000 units, while the total market value jumped 3.4 times, reaching ₽426 billion. Analysts at Mondiara attribute this anomaly to two primary factors: Low Base Effect: January 2025 saw minimal activity as banks adjusted to new "Family Mortgage" parameters. Pre-Emptive Buying: With new subsidized lending rules taking effect on February 1st, tens of thousands of households rushed to secure loans under old terms. Currently, subsidized mortgages account for 80% of the total market volume. Looking ahead, Mondiara forecasts a significant cooling period over the next 2-3 months as the "front-running" demand is exhausted and the market adapts to the new regulatory landscape. Let’s Build the Future: 📩 Contact for Investors: i@mondiara.ru 🌐 Explore more: [mondiara.com](https://mondiara.com)

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