Russia (bbabo.net), - The average mortgage payment for a one-room apartment in the secondary market has increased by almost a third over the year. At the beginning of the year, in 75 largest cities, 20.6 thousand rubles had to be paid monthly for a mortgage on such housing, calculated in S. This is 30.3% more than a year ago (in calculations, it was assumed that a loan was taken for 15 years from 30% down payment.

Most strongly - almost twice - mortgage payments grew in Novorossiysk - by 82.4%. In Krasnodar - by 76.4%, in Grozny - by 63.8%, in Sevastopol - by 42.6%, in Astrakhan - by 41.6%. They increased by more than 40% in Kazan and Sochi. This is followed by Nizhny Novgorod, Omsk, Stavropol, Podolsk, Penza, Lipetsk, Samara and Kaliningrad. In general, the increase in payment within the range of 30-40% occurred in 22 cities.

In Moscow, in comparison with other cities, the rise in prices is very moderate - the payment increased by less than a quarter (22%) over the year. In St. Petersburg - by 26%. The smallest increase in the average payment - in Nizhny Tagil, where the amount increased by only 10.8%. Here is the lowest payment in terms of rubles - an average of 8.5 thousand rubles. per month.

Less than 10 thousand rubles. per month deducted for a mortgage in Magnitogorsk and Kurgan. As usual, Muscovites spend the most on mortgages - 74 thousand each. Sochi is in second place with 49 thousand rubles, St. Petersburg is in third with 46 thousand rubles.

The average cost of a secondary "odnushka" in the largest cities increased by 23.8% over the year, explains Boris Terekhov, partner of the consulting group S. And the average mortgage rate in the secondary market by January 2022 rose by 0.85% to 8.87%... and continues to grow. In early February, according to DOM.RF, the largest banks issued mortgages for secondary housing at an average of 10.56%. If we take into account the difference in rates by region, payments can be even higher. So, according to the Central Bank, Chechnya and Sevastopol are the leaders in 2021 in terms of the highest mortgage rates - 8.21 and 8.12%, respectively.

Most of all spend on mortgages in Moscow, Sochi and St. Petersburg

Back to news » Back to news » Back to news » Back to news » Back to news » Back to news » Back to news » Back to news » Back to news » Back to news » Back to news » Back to news » Back to news » Back to news » Back to news » Back to news » Back to news » Back to news » Back to news » Back to news » Back to news » Back to news » Back to news »

View from the regions

In Krasnodar and Novorossiysk, there is a huge gap in prices between new buildings and secondary housing, says Sergey Lysenko, deputy director of the Krasnodar company Aurus Realt. But since the state and the banking sector support developers, it comes to paradoxes: sometimes it is more profitable to buy an apartment for 6 million rubles on a mortgage. in a house under construction than for 4 million in the secondary market, since rates for new buildings sometimes amount to only 2% versus 10-15% for "old" apartments.

In Grozny, there are more buyers on the market than sellers, and prices for secondary housing are higher than for new buildings, says realtor Khalimat Sultanova. Buyers are nervous about rising mortgage rates, want to quickly solve the housing problem and hope to buy housing of the same area at the old prices, but as a result they are considering options further from the city center.

In Astrakhan, the difference between a new and a secondary apartment can be within one million rubles, but the same amount will have to be added for repairs in a new building, says mortgage broker Tatiana Voitsekhovskaya. Usually, people who have free money invest in new housing - just so that they are not "eaten" by inflation. And for families who live paycheck, it is more profitable to take a "secondary", she notes. At the same time, new apartments have risen in price here much more significantly than the "secondary". The cost of construction has increased by 30% from the dock period, explains the owner of the development company Viktor Tarasenko. In addition, Astrakhan stopped building economy-class housing. The Ministry of Construction of the region explained this by the fact that they stopped producing sets of three-layer panels from which such apartments are built, and they cost 20% cheaper than in brick or concrete houses. So it turned out that Astrakhan residents cannot buy inexpensive housing except for the "secondary".

bbabo.Net