Subsidized Mortgage Calculator (Russia)
Compute the monthly payment and total interest on a Russian subsidized (льготная) mortgage — family, IT or new-build — from price, down payment, rate and term.
How to Use the Subsidized Mortgage Calculator (Russia)
- Enter property price.
- Enter down payment percentage.
- Enter the subsidized annual rate.
- Enter the loan term in years.
- Click Calculate.
Use Cases
- •Choosing between subsidized programs.
- •Budgeting a home purchase.
- •Comparing banks’ subsidized offers.
Formula
M = P·r·(1+r)ⁿ / ((1+r)ⁿ − 1), where r = annual rate / 12 / 100 and n = term in months. Loan = price × (1 − down payment%).
Frequently Asked Questions
Which programs apply in 2026?
Family Mortgage (6%), IT Mortgage (5%), Far East / Arctic Mortgage (2%) and regional programs. Each has caps on property price and loan amount by region.
Is the down payment the same across programs?
No — minimum 20–30% is typical in 2026 for most subsidized programs. The calculator uses whatever percentage you enter.
Disclaimer
Rates and caps are valid for 2026 programs and change by government decree. Verify with DOM.RF and your bank before applying.