Mortgage Housing Loan Agency JSC introduced a differential interest rate on mortgage credits depending on the scale of the initial payment and loan terms on January 1, 2006.

This means that what was previously just one credit type is now going to expand to six different types of loans varying depending on the crediting conditions. Thus, the initial payment of 70% to 50% and 1- to 15-year loan terms determine the rate of 12%. The upper interest rate limit is set at 16% and applies to credits with the 10% to 30% initial payment and a 15- to 30-year term.

The beginning of the year was also signified by the agency doubling the upper limit for mortgages accepted for refinancing.