Expert tells Russians about favorable time for mortgages

The decision to buy an apartment in a mortgage depends on the individual situation, while there are several factors common to all, which should be taken into account. Victor Zubik, founder of Smarent management company, told about it on February 8.

According to him, the high key rate will remain for a long time. According to the Central Bank's forecasts, it will return to below 10% not earlier than 2027, so expect mortgage rates in the range of 10-12% until then is not worth it.

"However, by 2027, the number of new housing starts in the market will be minimal, as there are few new starts, while demand, on the contrary, will increase. And according to the market law of supply and demand, such an imbalance generates a rise in prices. Therefore, if your plans include improving your living conditions, it is hardly worth postponing the purchase until 2027," Zubik told Gazeta.Ru.

The widespread opinion that the high rate will lead to a decrease in real estate prices is also not confirmed. In reality, the market reacts differently: some objects prices have indeed adjusted, but quality and liquid apartments continue to rise in price.

In addition, the forecasts about mass sale of housing purchased under preferential mortgages have not come true. Real estate purchased at 6% per annum for 30 years remains a profitable asset, and owners have no reason to get rid of such objects. It is not worth expecting significant discounts or more favorable conditions in the near future.

According to the expert, if a suitable object has already been found, it may be inexpedient to postpone the purchase. However, if there is a lack of resources, it is important to carefully assess the risks, because the strategy of rapid resale of housing is now working worse.

There is a high probability that the developer will eventually offer a similar apartment in the same building at a more attractive price or with favorable conditions, which may make the purchase less successful. According to Zubik, if the object is really good, and financial capabilities allow you to make a mortgage with an acceptable monthly payment, it makes no sense to delay the decision. At the same time, it is important to realize that such an investment should be long-term.

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Earlier, on February 5, "Izvestia" got acquainted with the results of a study by Level Group, which states that almost half of the surveyed Russians in one way or another connect their plans in 2025 with the solution of the apartment issue. Thus, every eighth (12%) plans to start saving and saving money for an apartment.

Earlier, on November 2, 2024, it was reported that every third Russian respondent considers "young" secondary housing - real estate that is 3-10 years old - to be the most comfortable. Another 30% of respondents named a country house as comfortable. At the same time, the comfort of new buildings - up to three years from the date of delivery of the house - was noted by 23%, according to the results of the VTB survey.