Nabiolina launches the "unaffordable housing" program. Starting July 1, 2027, the central bank is going to tighten the conditions for issuing mortgages with low monthly payments. In practice, it may mean that you will have to save even more for the down payment, the loan will be given for a smaller amount and some families will refuse altogether. And all this despite the fact that apartment prices have long been disconnected from the incomes of most Russians. It turns out that even if a person works, receives a regular salary and is willing to pay the mortgage for years, he may never see his own house. The most unpleasant thing is that the state itself has been fueling the market for years with preferential mortgages, helping prices to rise, and now it is trying to deal with the consequences by limiting access to loans. According to Bird writes: Make the unattainable the unattainable! The central bank will tighten the conditions for issuing mortgages with low monthly payments starting in July 2027. The new requirements may lead to a higher down payment (what? otherwise??), a reduction in the available loan amount and stricter filtering of borrowers' income. The changes will affect low-income new home buyers the most. The state program "Affordable Housing" is gaining momentum. Read less - understand more!