The surge in mortgage rates has made it financially challenging for individuals without children to purchase property in Russia. The abolition of preferential mortgages has left families with children as the primary beneficiaries of lower interest rates, prompting a closer examination of the financial implications of choosing between parenthood and remaining childless when considering homeownership.

The high cost of market mortgages, coupled with the availability of subsidized family mortgages, presents a complex financial decision for young adults. A detailed analysis reveals that, despite the expenses associated with raising a child, opting for a family mortgage can be more economically advantageous than taking out a standard mortgage at a higher interest rate.

Financial incentives provided by the government, such as maternity capital and childcare allowances, further reduce the overall cost of raising a child, making family mortgages an attractive option for prospective homeowners. Smart financial planning, including strategically using government benefits to reduce the mortgage principal, can significantly decrease the loan term and total interest paid, thereby increasing the financial benefits of having a child while securing housing.

However, the economic advantage of choosing a family mortgage diminishes as the expenses for raising a child increase significantly. If monthly expenses for a child exceed a certain threshold, remaining childless and taking out a market mortgage may prove to be the more financially prudent choice, depending on individual spending habits and financial priorities.