This is the 12249th most frequent Russian word.
ипотечные
"Ипотечные" translates to "mortgage-related" in English.
Here, 'ипотечные' pertains to 'ипотечные условия,' meaning 'mortgage terms.' It is used as an adjective describing the type of conditions offered.
Я взял ипотечные условия на покупку квартиры.
I took mortgage terms for buying an apartment.
In this sentence, 'ипотечные ставки' translates to 'mortgage interest rates'. 'ипотечные' is used to describe the rates that are related to a mortgage.
Ипотечные ставки снизились в этом году.
Mortgage interest rates have decreased this year.
'Ипотечные программы' means 'mortgage programs,' and 'ипотечные' describes the programs offered as related to mortgages.