Posted 5 ноября 2020,, 06:35

Published 5 ноября 2020,, 06:35

Modified 24 декабря 2022,, 22:36

Updated 24 декабря 2022,, 22:36

The areas  where it is easier to save up for a mortgage were identified

The areas where it is easier to save up for a mortgage were identified

5 ноября 2020, 06:35
It takes Russians less than two years to accumulate the first installment on a mortgage loan. In the period from January to September, the average accumulation period for these funds was 21 months.

This is reported by RBC, referring to a study by DOM.RF analysts, who used Rosstat data in their work.

Let us recall that last year the period of accumulation for the initial mortgage payment was shorter - it took Russians 19.5 months to do this.

According to DOM.RF estimates, in a family that is going to take out a mortgage, it is assumed that two people have to work, and 30% of the salary must be saved for the first installment. The very first installment, analysts say, is equal to 20% of the cost of housing.

The minimum period for the formation of the initial payment in 2020 is 12 months. Inhabitants of the Yamalo-Nenets Autonomous Okrug, Magadan Region and Chukotka can meet a year. In these three regions, the average size of a mortgage loan is higher than the average Russian level - 3 million rubles, 2.6 million rubles and 3.1 million rubles, respectively, against 2.24 million rubles.

The largest mortgage loans are issued in Moscow with an average of 5.3 million rubles, the Moscow region - 3.7 million rubles, on Sakhalin - 3.6 million rubles, and in St. Petersburg - 3.3 million rubles. Moreover, Muscovites need to save 23 months for the first installment, and Petersburgers - 22.

In the North Caucasus, it will take the longest to put off the down payment. In Dagestan, for example, more than three years.

In 64 Russian regions, on average, you will have to save up for an initial payment from two to two and a half years.

The term of the preferential mortgage at 6.5% has been extended until July 1 of next year. The corresponding order was given by Russian President Vladimir Putin during an online meeting with the government. The Ministry of Finance has already developed a project for such an extension, which provides for a period of validity even until the end of 2021, as well as an increase in its volume from 900 billion rubles to 2.8 trillion rubles.

In August, Russians set a new record for the volume of mortgage loans taken out. Over the last month of the summer, they applied for them 148 thousand times, the total amount of loans amounted to 375 billion rubles.