The key facts

  • From November 1, 2026, a preferential mortgage at 8% is available in Crimea and Sevastopol for apartments in buildings under construction and apartments-type units
  • The loan limit is 8 million rubles, the down payment is from 20%, and the borrower's place of registration does not matter
  • Applications are accepted from November 2026 to the end of April 2027; since 2023, 16.3 thousand loans totaling more than 83.5 billion rubles have been issued under the program in newly included regions

Terms of the new program

A preferential mortgage at 8% for purchasing housing in Crimea and Sevastopol has been launched in Russia — this was reported by the press service of the Russian Ministry of Finance, as cited by Gazeta.Ru. The program came into effect on November 1, 2026, and covers apartments in buildings under construction and apartments (apartments-type units). The loan amount is capped at 8 million rubles, and the down payment must be at least 20%.

Who can apply and for how long

The borrower's current place of registration does not matter: any citizen of Russia who has not previously used other federal benefits may submit an application. The loan can be taken out within six months — from November 2026 to the end of April 2027, and the state supports the rate for 15 years.

Experience of previous regions

According to the ministry, a similar program in previously included regions has been operating since 2023 and has already enabled the issuance of 16.3 thousand loans totaling more than 83.5 billion rubles. Separately, Gazeta.Ru reminds readers that the Russian Ministry of Finance previously changed the terms of the Family Mortgage — these two decisions concern different programs, and the details of the Family Mortgage changes are not provided in this summary.