Russia: housing

How many mortgages are issued in Russia?

Russian banks issued 86,447 mortgage loans worth 380.6 billion roubles in August 2026, according to the Bank of Russia's mortgage statistics. In August 2025 they issued 85,094 loans worth 392.3 billion roubles.

From January to August 2026, mortgage lending totalled about 2.96 trillion roubles. December 2025 was the highest month in the past year, with 166,509 loans worth 811.2 billion roubles. The figures cover loans to individuals secured on property, as reported by banks to the Bank of Russia.

Official sources: Bank of Russia: Mortgage loans granted to individuals · Bank of Russia: Mortgage statistics

What are mortgage rates in Russia?

The weighted average interest rate on new rouble mortgage loans in Russia was 10.08% in August 2026, according to the Bank of Russia's mortgage rate statistics. It was 7.58% in August 2025.

The average covers all new rouble mortgage loans, so changes in the mix of loans can move it. The Bank of Russia's key rate was 14.00% in September 2026, according to its decision of 11 September.

Official sources: Bank of Russia: Mortgage rates and maturities · Bank of Russia: Key rate decision, 11 September 2026

How much mortgage debt do Russians have?

Outstanding mortgage loans to individuals in Russia totalled 21.88 trillion roubles on 1 September 2026, 11.0% more than a year earlier, according to the Bank of Russia's mortgage statistics.

Including mortgage claims bought by banks from other lenders, the total was 22.65 trillion roubles. The Bank of Russia's July forecast expected mortgage lending to grow 6–10% in 2026 and 7–12% in 2027. Outstanding debt grows when new loans exceed repayments, including early repayments.

Official sources: Bank of Russia: Mortgage loans granted to individuals · Bank of Russia: Medium-term forecast, July 2026

How many Russian mortgages are in arrears?

Overdue mortgage debt in Russia was 264.5 billion roubles on 1 September 2026, 56.7% more than a year earlier, according to the Bank of Russia's mortgage statistics. That was about 1.2% of the 21.88 trillion roubles outstanding.

Overdue debt counts payments that borrowers have missed, not the full value of the loans concerned. The share remains small relative to total mortgage debt, but it has risen each month during 2026. Arrears are affected by interest rates, incomes and the age of the loan portfolio.

Official sources: Bank of Russia: Mortgage loans granted to individuals

How many Russian mortgages are for new-build homes?

Mortgage loans secured by shared construction agreements, used to buy homes in new developments, totalled 161.5 billion roubles in August 2026, according to the Bank of Russia's statistics. That was about 42% of all mortgage lending of 380.6 billion roubles that month.

Lending of this type was 229.3 billion roubles in June and 141.6 billion in July 2026, so monthly amounts vary.

Official sources: Bank of Russia: Mortgages under shared construction agreements · Bank of Russia: Mortgage loans granted to individuals

How long are mortgage terms in Russia?

The weighted average term of new rouble mortgage loans in Russia was 285.7 months, about 23.8 years, in August 2026, according to the Bank of Russia's mortgage rate and maturity statistics. It was 307.0 months in August 2025.

The average is weighted by loan size, so larger loans count for more. Longer terms lower monthly payments but increase the total interest paid. Terms differ between regions; in the Central Federal District the average was 286.4 months in August 2026.

Official sources: Bank of Russia: Mortgage rates and maturities

What is Russia's urbanisation rate?

The latest figure from the UN Population Division, for 2025, is 75.3%. That is the highest since at least 2005. Europe & Central Asia median: 69.6%; Russia is 19th highest of 52. Worldwide: 57th of 193.

What share of Russia's city dwellers live in slums?

UN-Habitat puts the share of city dwellers living in slums in Russia at 2.6% in 2022. That is the lowest since at least 2006. It is 10th highest of 43 in Europe & Central Asia, where the median is 0.3%. Worldwide: 117th of 170.

What share of people in Russia have electricity?

In 2024, the share of people with access to electricity in Russia was 100.0%, according to the World Bank. That is the highest since at least 2005. It is 1st highest of 52 in Europe & Central Asia, where the median is 100.0%. Of 193 countries with 2024 data, 1st highest.

What is access to safe water in Russia?

76.3%: that is the share of people using safely managed drinking water in Russia for 2024, according to WHO and UNICEF. That is the highest since at least 2005. It is 44th highest of 51 in Europe & Central Asia, where the median is 96.7%. Worldwide: 67th of 134.

What is access to sanitation in Russia?

The latest figure from WHO and UNICEF, for 2024, is 58.2%. No year since 2005 has been higher. Across Europe & Central Asia the middle value was 90.2%, and Russia placed 41st highest of 45. World rank, highest first: 71st of 134.

How many people in Russia cook with wood or charcoal?

According to the WHO, the share of people using clean cooking fuels in Russia was 100.0% in 2024. It has not changed since 2005. Europe & Central Asia median: 99.0%; Russia is 1st highest of 51. World rank, highest first: 1st of 192.