Ordered regions of Russia with the minimum full cost of a mortgage.
Regional context: in September 2026, the lowest total cost of a mortgage loan (FMC) among the 30 largest regions of Russia was noted in Buryatia - 15.9%. The figure was slightly higher in the regions of St. Petersburg, Omsk, Rostov and Novosibirsk - 16% each. In Moscow it reached 16.3%. The most expensive mortgages were in the Irkutsk and Samara regions, where the total cost of the loan was 17.1%. In the country as a whole, the figure dropped to 16.4%. According to the data of the National Bureau of Credit History (NBKI), during the year it decreased by 2.2 percentage points, and during the month - by 0.7 percentage points.
What about the terms of the loans: they still vary considerably depending on the region and the borrower's financial situation. The cost of the mortgage is affected by the reduction of the central bank's key interest rate, but the banks take this into account with some delay. In addition, the credit institutions remain cautious in issuing loans against the background of the tight monetary policy.
What does the cost of mortgages in the regions depend on: it depends not only on the key rate of the central bank, uniform for the whole country, but also on the local economic conditions. Especially important: competition between banks;
risk assessment;
real estate liquidity;
Special government support measures (mortgage for the Far East and the Arctic).
In large cities, where more financial institutions operate and housing is actively built, credit institutions often offer more favorable terms, and reduce their margins to attract customers. In sparse and remote areas the competition is weaker, so the market rates are usually higher.
Expert opinion.