... influencing this growth include government mortgage support programs and rising construction and land costs. Main Reasons for the Increase in Loan Amounts Preferential Mortgage Programs: Government initiatives have become the key driver of the market. Rural Mortgage: A program offering loans up to 12 million rubles at an interest rate of 3% per annum. In 2024, demand for this program increased by 122%, indicating its popularity among residents of rural and suburban areas. Family Mortgage: Its share increased ...