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<div class="header-banner topBanner" data-type="header" style="display: block; position: sticky; top: 0; z-index: 999;">
<a data-source="226355" data-banner="226288" class="universal-notice js-universal-notice-notice universal-notice--webp universal-notice--bitrix universal-notice--active" href="https://skillbox.ru/sale/main/?utm_source=media&utm_medium=banners&utm_campaign=all_all_media_banners_banners_header_all_all_skillbox" target="_blank" style="--banner-bg: #5927E9;--banner-color: #fff;--button-font-color: #000000;--button-bg-color: #FFFFFF;--banner-img-left: url(https://cdn.skillbox.pro/mainsite/banners/promo_picture_left/602754/f9ac17dd-a1d4-46c6-aa14-4f7b949defd1.png);--banner-img-left-webp: url(https://cdn.skillbox.pro/mainsite/banners/promo_picture_left/602754/f9ac17dd-a1d4-46c6-aa14-4f7b949defd1.webp);--banner-img-center: url(https://cdn.skillbox.pro/mainsite/banners/promo_picture_center/602507/232fc4a5-b130-4af2-a629-bdb293a4dd2e.png);--banner-img-center-webp: url(https://cdn.skillbox.pro/mainsite/banners/promo_picture_center/602507/232fc4a5-b130-4af2-a629-bdb293a4dd2e.webp);--banner-img-center-mobile: url(https://cdn.skillbox.pro/mainsite/banners/promo_picture_center/602507/232fc4a5-b130-4af2-a629-bdb293a4dd2e.png);--banner-img-center-mobile-webp: url(https://cdn.skillbox.pro/mainsite/banners/promo_picture_center/602507/232fc4a5-b130-4af2-a629-bdb293a4dd2e.webp);--banner-img-right: url(https://cdn.skillbox.pro/mainsite/banners/promo_picture_right/602755/ad7a7fe5-b8d3-47a3-885b-51a7971c12a9.png);--banner-img-right-webp: url(https://cdn.skillbox.pro/mainsite/banners/promo_picture_right/602755/ad7a7fe5-b8d3-47a3-885b-51a7971c12a9.webp);">
<span class="universal-notice__wrapper">
<b class="universal-notice__title">
Скидка до 55% и 3 курса в подарок
</b>
<span class="universal-timer js-universal-notice-timer js-universal-notice-active">
<span class="universal-timer__days js-universal-notice-days">2 дня</span>
<span class="js-universal-notice-hours">13</span>
:<span class="js-universal-notice-minutes">30</span>
:<span class="js-universal-notice-seconds">09</span>
</span>
<span class="universal-notice__button">Выбрать курс</span>
</span>
</a><script>
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deadline.setDate(5);
deadline.setHours(0, 0, 0);
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const elHours = timer.querySelector('.js-universal-notice-hours');
const elMinutes = timer.querySelector('.js-universal-notice-minutes');
const elSeconds = timer.querySelector('.js-universal-notice-seconds');
// Функция обновления таймера
const updateTimer = () => {
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let diff = Math.max(0, deadline - now);
if (diff === 0) {
let lastDayOfMonth = new Date(now.getFullYear(), now.getMonth() + 1, 0);
let lastDay = lastDayOfMonth.getDate();
if (lastDay - now.getDate() < 4) {
deadline.setMonth(deadline.getMonth() + 1, 1);
} else {
deadline.setDate(deadline.getDate() + 4);
}
diff = Math.max(0, deadline - now);
}
// Time calculations for days, hours, minutes and seconds
var days = Math.floor(diff / (1000 * 60 * 60 * 24));
var hours = Math.floor((diff % (1000 * 60 * 60 * 24)) / (1000 * 60 * 60)).toString();
var minutes = Math.floor((diff % (1000 * 60 * 60)) / (1000 * 60)).toString();
var seconds = Math.floor((diff % (1000 * 60)) / 1000).toString();
if (timer) {
let dayTitles = ['день', 'дня', 'дней'];
let daySuffix = dayTitles[(days % 100 > 4 && days % 100 < 20) ? 2 : [2, 0, 1, 1, 1, 2][days % 10 < 5 ? days % 10 : 5]]
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elHours.innerHTML = hours.padStart(2, '0');
elMinutes.innerHTML = minutes.padStart(2, '0');
elSeconds.innerHTML = seconds.padStart(2, '0');
}
};
updateTimer();
const timerId = setInterval(updateTimer, 1000);
});
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</div> <div data-area="article" data-title="Изменения в условиях льготной ипотеки с 1 февраля 2026 / Skillbox Media" class=" noFullClass">
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<li class="info-item"> <time class="info-text" datatime="#">23 янв 2026</time></li>
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Редакция «Управление, маркетинг, бизнес» Skillbox Media </div>
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<div class="stk-post stk-layout_12col_18068 stk-theme_26309" data-stk="{"images":[]}" data-ui-id="post" data-ce-tag="post" data-reset-type="class" data-layout-type="auto" data-editor-version="3.2.8-rc1"><div class="stk-grid" data-ce-tag="grid"><div data-col-width="12" class="stk-grid-col stk-grid-col_last" data-ce-tag="grid-col"><p class="stk-reset" data-ce-tag="paragraph">С 1 февраля вступают в силу новые правила, по которым работает программа семейной ипотеки. Получить её по-прежнему могут семьи с детьми, но изменились некоторые условия.</p><p class="stk-reset" data-ce-tag="paragraph"><strong class="stk-reset">Теперь доступен один льготный кредит на семью.</strong> Раньше право на льготную ипотеку было у каждого из супругов. Семьи могли оформлять два займа — например, сначала на мужа, потом — на жену. Теперь супруги обязательно должны выступать созаёмщиками по ипотечному договору, права на вторую ипотеку на льготных условиях у них не будет.</p><p class="stk-reset" data-ce-tag="paragraph"><strong class="stk-reset">Привлекать созаёмщиков теперь можно, только если не хватает дохода.</strong> Раньше можно было привлекать третьих лиц без ограничений. Сейчас делать это можно, только если дохода семьи не хватает для одобрения займа. При этом созаёмщики не заменяют супруга и не дают семье право на вторую льготную ипотеку.</p><p class="stk-reset" data-ce-tag="paragraph">Ставка по льготной ипотеке не изменилась — сейчас она составляет до 6% годовых. В Госдуме <a href="https://rg.ru/2025/11/11/stavku-po-semejnoj-ipoteke-mogut-podniat-do-12-no-est-i-drugoj-variant.html" target="_blank" class="stk-reset">обсуждают</a> идею дифференцированной ставки — от 4% до 10–12% в зависимости от количества детей, но пока это только обсуждения.</p><div class="stk-grid" data-ce-tag="grid" data-stk-css="stkzzUfE"><div data-col-width="12" class="stk-grid-col stk-grid-col_last" data-ce-tag="grid-col" data-stk-css="" data-stk-css-m=""><p class="stk-reset stk-theme_26309__mb_05 stk-theme_26309__style_font_style-1629290372003" data-ce-tag="paragraph">Материалы редакции «Деньги» Skillbox Media для тех, кто хочет прокачать финансовую грамотность</p><ul class="stk-theme_26309__style_small_text stk-theme_26309__pad_hor_1 stk-reset" data-ce-tag="list"><li class="stk-theme_26309__style_small_text stk-reset stk-list-item" data-ce-tag="list-item"><a href="https://skillbox.ru/media/money/kak-poluchit-nalogovyy-vychet-za-pokupku-kvartiry-ili-doma-v-2025-godu-polnoe-rukovodstvo/" target="_blank" class="stk-reset">Как получить налоговый вычет за покупку квартиры или дома</a>: полное руководство</li><li class="stk-theme_26309__style_small_text stk-reset stk-list-item" data-ce-tag="list-item"><a href="https://skillbox.ru/media/money/programma-molodaya-semya-chto-nuzhno-znat-chtoby-kompensirovat-do-35-stoimosti-zhilya/" target="_blank" class="stk-reset">Программа «Молодая семья»</a>: что нужно знать, чтобы компенсировать до 35% стоимости жилья</li><li class="stk-theme_26309__style_small_text stk-reset stk-list-item" data-ce-tag="list-item"><a href="https://skillbox.ru/media/money/yunit-ekonomika-i-cash-flow-v-bytu-vedyem-lichnyy-byudzhet-kak-finansovyy-direktor/" target="_blank" class="stk-reset">Юнит-экономика и cash flow в быту</a>: ведём личный бюджет как финансовый директор</li><li class="stk-theme_26309__style_small_text stk-reset stk-list-item" data-ce-tag="list-item">Почему <a href="https://skillbox.ru/media/money/pochemu-lichnyy-finansovyy-plan-nuzhen-kazhdomu-i-kak-ego-sostavit/" target="_blank" class="stk-reset">личный финансовый план нужен каждому</a> и как его составить</li><li class="stk-theme_26309__style_small_text stk-reset stk-list-item" data-ce-tag="list-item"><a href="https://skillbox.ru/media/business/kak-kopit-dengi-kopilkatablitsa-sluchaynye-summy-dengi-v-konvertakh-i-eshchye-15-sposobov/" target="_blank" class="stk-reset">Как копить деньги</a>: копилка-таблица, случайные суммы, деньги в конвертах и ещё 15 способов</li></ul></div></div></div></div><style data-stk-css="stkzzUfE" media="all" class="">
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