More than half of the surveyed Russians told about early repayment of mortgages

In Russia, 60% of respondents use the possibility of early repayment of mortgages, according to the results of the research platform "Avito Real Estate", which were read by "Izvestia" on December 5.

A quarter (25%) of Russians reduce the size of the monthly payment with the preservation of the term of the loan. Another 35% reduce the term of the loan while maintaining the monthly payment. Make the minimum payment schedule 40% of respondents.

Speaking about the results in the context of federal districts, experts noted that the most often make the minimum payment on schedule residents of the Urals (50% of respondents), as well as Siberia and the Far East (45%). To a lesser extent, this strategy is characteristic of residents of the Central Federal District (33%). Less often than others reduce the size of the monthly payment in the North-Western and Ural Federal Districts (20% each), and the term of the loan - in the Siberian and Far Eastern Federal Districts (30%).

In addition, experts found out that Russians who have an outstanding mortgage, took a loan for an average of 16 years. 23% of respondents have a mortgage loan for 11 to 15 years, 21% - from 16 to 20 years, 18% - from 26 to 30 years.

The average mortgage payment among respondents is RUB 35.6 thousand (RUB 55.1 thousand in Moscow, RUB 44.4 thousand in St. Petersburg and RUB 33.1 thousand in other million-strong cities). In most cases, the survey participants pay monthly mortgage payments from Br15 thousand to Br30 thousand (35% of respondents) and up to Br15 thousand (28%). Over 105 thousand rubles a month pay only 5%.

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"In recent years, Russians have begun to think more often about the size of the monthly payment and the rate, rather than the amount and term of the loan. Based on this, individual strategies of borrowers are formed. For example, some of those who managed to take a favorable mortgage at a low rate, now choose to put money in the bank at a high interest rate and make a minimum monthly payment," - said the head of the business unit "Mortgage, insurance and sdelochnyh services" Avito Artur Akhmetov.

According to him, those who took a loan at market rate and are worried about the level of income in the future, are now either forming a financial cushion and still pay off the minimum amount, or reduce the size of the payment to a comfortable 30% of the total family income and below.

"Those for whom the size of the monthly payment is comfortable and at the same time there is a desire to close the mortgage sooner, reduce the term. It is worth noting that in the latter case significantly reduces the overpayment on the loan," - concluded Akhmetov.

Earlier, November 27, it was reported that in 2024, the share of Russians, remotely applying for a mortgage, rose to a record 87%. As told "Izvestia" executive director of the federal company "Etazhi" Regina Dydalina powerful impetus for the development of online mortgage received during the pandemic, when all major players in the real estate market began to actively develop services for remote filing of documents and registration of mortgages. As a result, over the past few years the speed of application and approval from banks has increased several times.