OREANDA-NEWS  Changes in mortgage refinancing conditions in Russia will take effect on February 1. It will be possible to refinance the market part of a combined mortgage, the head of mortgage products at Dom Bank told RIA Novosti.Russian Federation" by Igor Rudenko.

"Changes in refinancing conditions: from February 1, 2026, it will be possible to refinance the market part of the combined mortgage, while the preferential part will remain unchanged," he commented.

Earlier, the Ministry of Finance of the Russian Federation reported that from February 1, 2026, new rules will be introduced in Russia, according to which it will be impossible to apply for two preferential loans on a family mortgage for each of the spouses - both will be issued as co-borrowers on the loan. The Ministry of Finance also stated that Russians who have taken out a combined loan on preferential family, Far Eastern and Arctic mortgages will be able to refinance the rate on its market part, the amount of the reduction will depend on the conditions of the bank's market programs.