We decided to take control of the payment plan from the developers: is the freebie running out?
The Ministry of Construction and the Bank of Russia have already agreed on a regulatory mechanism. The agencies want to limit late fees, oblige developers to disclose actual payment terms and protect buyers' property rights. The reason is more serious. According to the Central Bank, as of March 1, 2026, Russians' debts on payment plans for housing under construction reached 1.6 trillion rubles - this is 17% of the cost of capital participation agreements that have ended.
The main problem is that until now the entrepreneurs themselves have actually determined the distribution of payments, the amount of fines and the conditions for ending the contract. A person can pay nine tenths of the cost of the apartment, miss the last payment and face the risk of losing the deal. But there is also a downside. Now installment plans allow you to buy a home without standard bank income verification.
Many people expect that they will be able to get a mortgage by the time their home is completed. However, new obligations will be included in the credit history, which means that the bank will take them into account when assessing solvency, and this is extremely important, because converting a debt to a mortgage in itself does not guarantee approval: if there is not enough income, the buyer risks simply being left with a large payment on hand.
In fact, some of the real effective demand has been replaced by deferred liabilities all this time. Now that structure is becoming more transparent, and developers will have to pull new tricks up their sleeves to stay competitive. The strongest card is the cost per square meter, which increased this year by 7% for new buildings and 5% for secondary buildings. But won't entrepreneurs start inventing new ways to sell an apartment to those who can't afford it?
It's a family affair. enslave.