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On June 23, 2026, the Bank of Russia announced that the State Duma has adopted legislation expanding eligibility for mortgage payment holidays (ипотечные каникулы). Borrowers who have given birth to or adopted a second child, or subsequent children, now qualify for this relief measure on an additional basis. Under the new framework, borrowers with two or more children can access mortgage payment holidays for up to 18 months, compared to the six-month maximum available under other eligibility grounds. During the holiday period, creditors cannot charge penalties, fines, or late fees, nor can they enforce foreclosure proceedings or pursue guarantors. However, from the seventh to the eighteenth month of the holiday period, borrowers may face increased costs on their loan agreements. The legislation aims to support households experiencing temporary financial difficulties while mitigating financial stability risks for lending institutions. The measure applies retroactively to mortgage agreements concluded before the effective date. The law enters into force on September 1, 2026. Borrowers meeting the eligibility criteria—including those with existing mortgage agreements—can apply for this relief once the legislation takes effect. The Bank of Russia will oversee implementation of this expanded mortgage holiday programme across Russian lending institutions.