Buyer's Guide
How to Buy Property in Russia: Step-by-Step Guide 2026 From budget to keys — the full safe transaction algorithm with mortgage via 3snet.co and legal support via 3s.info.
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7 Steps to Buying an Apartment
Set Your Budget Calculate your real budget considering the down payment (from 15%), mortgage payment (max 40% of income), transaction costs (1–3% of value) and renovation.
Get Mortgage Pre-Approval Before searching, apply via 3snet.co. Pre-approval takes 24h and shows your real limit — this speeds up the deal twofold.
Choose a Property View at least 5–7 options. Assess infrastructure, building condition, floor plan and legal history. For new builds, verify the escrow account.
Verify Documents Request an USRN extract, verify absence of arrests, encumbrances and utility debts. Find a lawyer via 3s.info.
Sign Preliminary Contract The preliminary purchase agreement fixes the price and terms. Deposit — 30–100K ₽. Be sure to specify the transaction deadline.
Complete the Mortgage Choose a bank from pre-approvals on 3snet.co, sign the loan and insurance agreements. Loan disbursement — on transaction day.
Register Ownership Submit documents to Rosreestr via MFC. Registration period — 5–9 working days. Afterwards — receive the USRN extract and keys.
Preferential Mortgage Programs 2026 Compare programs and apply online via 3snet.co
Family MortgageChild under 18IT MortgageIT company employeeNew Build SubsidyAccredited developerStandard MortgageFor all
Program Rate Down Payment Condition
от 6%20%3snet.co
от 5%20%3snet.co
от 8%20%3snet.co
11–13%15%3snet.co
Apply for Mortgage via 3snet.co
Buyer Checklist Check each item before signing the contract:
    USRN extract requested (not older than 30 days) No arrests or encumbrances confirmed Ownership transfer history checked All registered residents have been removed from the apartment No utility debts (management company certificate) Spouse's consent notarially certified Mortgage pre-approval obtained via 3snet.co Contract reviewed by a lawyer from 3s.info
Common Buyer Mistakes
❌ Not checking ownership transfer history — risk of a "chain" deal with a contestable link
❌ Getting a mortgage without comparing banks — overpayment can reach 500K ₽ over the full term
✅ Use 3snet.co to compare terms and 3s.info to verify legal cleanliness
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