Mortgage Calculator — Russia
Estimate your monthly mortgage payment in RUB using Russia's typical rates, and see the full interest cost. No signup, no tracking.
Local rates & providers
Mortgage rates ≈ 20–24% p.a. (market). Subsidized "Family Mortgage" programme ≈ 6% for qualifying families. CBR key rate 15%. Providers: Sberbank, VTB, Gazprombank, Alfa-Bank.
Reference figures, ~2026. The Bank of Russia (CBR) sets the policy rate; your offered rate depends on your profile, deposit and the lender. Verify current rates before deciding.
Worked example
For every ₽1,000,000 borrowed at 22.00% over 20 years:
- Monthly payment: ₽18,571
- Total repaid: ₽4,456,944
- Total interest: ₽3,456,944
Scale this to your loan amount — e.g. ₽3,000,000 costs about 3× these figures. A larger deposit and shorter term cut the interest sharply.
Frequently Asked Questions
How is the mortgage payment calculated in Russia?
Lenders use the reducing-balance formula P × r × (1+r)ⁿ ÷ ((1+r)ⁿ − 1), where P is the loan, r the monthly rate and n the number of months. The fin·calc tool applies the same formula with Russia's typical rate.
What is the current home loan rate in Russia?
As a 2026 reference, typical rates are around 22.0% per year, linked to the Bank of Russia (CBR) policy rate. Mortgage rates ≈ 20–24% p.a. (market). Subsidized "Family Mortgage" programme ≈ 6% for qualifying families. CBR key rate 15%. Providers: Sberbank, VTB, Gazprombank, Alfa-Bank.
How much deposit do I need?
A larger down payment lowers both your rate and total interest, and reduces the lender's risk. Most lenders also add valuation, legal and registration costs on top of the deposit.
Can I reduce the total interest?
Yes — a bigger deposit, a shorter term, and extra or early repayments all cut total interest significantly. Use the prepayment option in the calculator to see your exact saving.