The Russian legislation offers a number of benefits and opportunities to reduce costs when buying housing. However, not everyone knows many. The state was told by Lesya Twelina, a real estate agent, a real estate expert.
According to him, birth capital has long been a well -known tool to support families, but not everyone knows their details. In addition to standard use for a mortgage or first contribution, there is the opportunity to direct these funds for the construction of a private house without including developers. This applies to families living in rural areas.
In addition, Tweline added that the conditions of families with two or more children have expanded and allow the use of capital to improve the housing conditions. Families can use birth capital funds for housing, housing construction and reconstruction, mortgage repayment.
In 2025, additional programs and benefits were introduced for families with children. For example, families can receive housing certificates that can improve housing conditions at the expense of state support. In addition, subsidies are provided for families with children, for mortgage loans and for public services.
One of the most popular benefits in buying real estate is tax reduction, the expert continued.
“When buying real estate in Russia, the maximum tax reduction is 2 million rubles. This means that the state compensates for 13 percent of this amount of 260 thousand rubles.
If a real estate purchase is given for several owners (eg spouses), each may exercise the right of deduction. It is also important to remember that you can get tax reduction not only for the purchase of real estate, but also for repair or decoration costs if it is recorded in the contract.
Twelina pointed out that the state actively introduces preferential mortgage programs for various citizens categories. However, not everyone knows that the benefits are not only for large families, but also for young experts in rural areas. Such programs allow you to get a mortgage with reduced interest or to compensate for a part of the amount of credit.
In addition, there are special conditions for the participants to the “Far East Hectare” state program. They can set a preference to build a house in a private area.
Every region of Russia has its own characteristics in providing benefits.
“For example, in some regions, there are support programs for young families who compensate for 30 percent of the housing cost. It depends on: 35 percent of the cost of a family – a family with young families with children or a parent with a parent can rely on 30 percent. ”
The real estate agent stressed that the budget area of subsidies is also popular for employees.
In some regions, not only improves housing conditions, but also develop programs for housing acquisition in small cities and villages to improve the regional distribution of the population.
“Pensioners and disabled people can rely on the help of the state when buying housing.
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Source: Gazeta
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