The Finance Ministry expects mortgage rates to stabilize at 11-12% in 2022. This was stated by the deputy head of the department Alexei Moiseev, reports TASS.
“I think that there will be no 15% mortgage rates. The mortgage rate is the Central Bank rate + 2.5 p.p. Thus, we come out at 12%. In principle, I think that the market will gradually tighten up, ”said Moiseev.
According to him, banks may begin to lose new customers due to high rates. However, the Ministry of Finance did everything possible to reduce the costs of credit institutions. Therefore, mortgage rates in 2022 will not exceed 12%.
Some Russian banks have been raising mortgage rates since the beginning of 2022, which have now exceeded 10%. At the same time, some experts assumed that the cost of mortgage loans in Russia could reach 15% this year.
Earlier, the Bank of Russia raised the key rate by 1 percentage point at once, to 9.5% per annum, pointing to high inflation.
On February 13, specialists from the Est-a-Tet real estate agency determined the most advantageous way to get a mortgage at the moment. If you use the state preferential mortgage program, the rate may be reduced by more than two times.
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