Минимальный первоначальный взнос по семейной ипотеке в 2026 году — от 20% от стоимости жилья (часто указывают как минимум 20,1% — это техническая формулировка, но по сути та же отметка 20%).
Основные нюансы по взносу
- В Москве, Московской, Санкт‑Петербургской и Ленинградской областях условия те же — от 20%/20,1% от стоимости объекта, просто лимит по сумме кредита выше (до 12 млн ₽).
- В остальных регионах также минимум 20% от стоимости, но лимит на льготный кредит ниже — до 6 млн ₽.
- Использовать как часть взноса можно материнский (семейный) капитал, если у семьи есть сертификат и остаток средств.
Отдельные банки нередко указывают 20% или 20,1% как минимальный порог, но при низкой зарплате или высокой долговой нагрузке могут попросить 30% и более в зависимости от политики кредитора.
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