Mortgage issuances fell by almost half after the tightening of the preferential program: "In October 2026, Russian banks issued 75,500 mortgage loans worth 308.8 billion rubles. Compared to the September peak, the issuances fell by almost half in monetary terms, and by 39% in quantitative terms. But in relation to the average January-August values (to rub), provided that the amount of housing loans did not decrease by the rate of 364.4 billion dollars. 15.3% As of October 1, 2026, new conditions apply: the rate is related to the number of children - the more there are, the lower the percentage. For families with one child under the age of seven, the rate will be 10% in most regions, with two children - 8%, with three - 6%, with four - 4%, with five - 2%. For Moscow, St. Petersburg, Moscow and Leningrad regions, a "scale" of rates is also used, but by 2 percentage points. higher".