Financial analysts and market participants are unanimous in their opinion: 2026, most likely, will not be a period of sharp reduction in the cost of loans, but will continue the trend towards their gradual easing.
Buyers' attention is now focused not only on the dynamics of rates, but also on finding the optimal solution for improving living conditions within an affordable budget.
Despite the key rate reduction that began last year, the cost of borrowing funds still remains a significant barrier for most Russians. Experts' expectations regarding the Central Bank's future monetary policy remain restrained.
Inna Soldatenkova, head of expert analytics at Banki.ru, notes that the cycle of real easing of lending conditions by banks may begin no earlier than the end of 2026 or even the beginning of 2027. This means that in the coming months it is worth focusing on the current, still high level of market interest rates, making a choice in favor of preferential programs.
An important change that has already affected the behavior of the market was the adjustment of the rules for obtaining family mortgages, which will come into force on February 1, 2026. The new limit – one preferential loan per family – provoked a record surge in demand at the end of 2025. This is a clear example of how legislative amendments shape short-term trends.
In the new reality, borrowers will have to plan large purchases more carefully, evaluating all available support tools. At the same time, banks maintain strict requirements for the solvency of clients, which makes the loan approval process quite tough.
In conditions where rates are not falling quickly, and prices for urban housing are showing stability, some buyers are beginning to actively consider alternative options. For families whose priorities have shifted towards more personal space, their own plot of land and a change in urban environment, the suburban real estate market may be an interesting vector to search for.
For those who are ready for this type of life and are looking for a plot of land outside of Krasnoyarsk or are thinking about buying a house in the Moscow region or in the south of Russia, it is useful to study a variety of offers – from modern townhouses in complex villages with developed infrastructure to individual cottages in picturesque locations. This choice requires special attention to issues of logistics, communications and budget, but for many it is the optimal way to resolve the housing issue.
Market experts, including commercial director of the Yandex Real Estate service Evgeniy Belokurov, agree on the main thing: the basis for the decision is personal financial readiness. Two factors are key: having savings for a down payment and making sure the monthly payment won't become an excessive burden. If these conditions are met and an object is found on the market that fully meets the requests, postponing the transaction in anticipation of a miracle with interest may be irrational.
In the long term, real estate retains its value, and the opportunity to live in comfortable conditions here and now often outweighs the hypothetical savings on the rate in the future.
2026 is the time for informed, not impulsive decisions. There is no universal strategy, and the basis for choice should be a sober assessment of your own needs, capabilities and all the options available on the market – from city apartments to country houses.
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