What happened to family mortgages? The whole truth about the new laws.
What happened to family mortgages? The whole truth about the new laws is in this video.
As of February 1st, the rules have changed dramatically: only one mortgage is issued to one person, both spouses must be co-borrowers, and a poor credit history for one spouse can be grounds for denial. We've covered child registration requirements, differentiated rates starting this summer, and life hacks for solving document issues and getting approval even in difficult cases.
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Video navigation:
00:00 Start
00:39 — Who should be a co-borrower now (important nuances)
01:38 — Is it possible to get a second mortgage? Rate hike risks
03:37 — Child registration: why temporary registration isn't suitable
04:35 — What documents (SNILS, certificates) do banks now require
05:01 — Rates 2025: How will interest rates change for families with 1, 2, and 3 children
06:20 — Life hack: How to improve your credit history through divorce
08:17 — Alternative: Buying a house and using maternity capital
09:06 — Summary and advice