Key to the Future: A family from Severodvinsk purchased an apartment using a preferential Far Eastern and Arctic mortgage

Elena's family lived in the small town of Onega. But due to a change in circumstances, she moved to Severodvinsk with her husband, Sergey, and their 12-year-old daughter, Kamilla. Elena found a job as an accountant at a school. Sergey had been working as a shift driver at a mining company for many years. For the first three years, the family lived in a rented apartment. In December 2025, Elena learned about the Far Eastern Mortgage program, which offered a reduced interest rate—education workers were among the priority recipients. She decided to participate in the program. "It was a very profitable investment for our family," shares Elena Loginova. "Part of the maternity capital and our own savings were enough for the down payment and the purchase of a two-bedroom apartment. The preferential mortgage terms and such a low interest rate now make it possible to repay the loan comfortably—even a small family income will be enough to cover the repayment."