Analysts named the main parameters of "Family Mortgage" issuance in 2025

The median value of the real estate for which the "Family Mortgage" is issued this year is 7.8 million rubles. This conclusion was reached by analysts "Domklik", who studied the issuance of Sberbank in January and February.

It is noted that the median value varies greatly depending on the federal district: from 6 million rubles in the North Federal District to 10.3 million rubles in the Central Federal District.

At the same time, the median loan size is Br5.5 million. The maximum value was recorded in the Central Federal District - Br7 million, the minimum - in the UFD, the North Federal District and the Volga Federal District (from Br4.4 to Br4.8 million).

The median down payment is equal to 2.3 million rubles. "The value is higher than the all-Russian level only in one federal district - the Central Federal District: when concluding a mortgage transaction, borrowers pay about 3.3 million rubles from their personal funds. This is about a third of the median value of the purchased housing", - said in "Domklik". Relatively high values are also noted in the North-West Federal District (2.3 million rubles) and the Far Eastern Federal District (2.1 million rubles). At the same time, the down payment is also about 30% of the real estate value.

In most districts of southern and central Russia (SFD, SFD, SFD, UFD and SCFD), down payment values are noticeably lower (RUB 1.5-1.7 million). As a rule, the down payment covers about a quarter of the housing cost.

The median monthly payment under the "Family Mortgage" is RUB 34.5 thousand. The Central Federal District and the Northwestern Federal District are the leaders in this parameter: the median values are Br43.6 thousand and Br36.2 thousand, respectively. The third place is occupied by the Far Eastern Federal District: here borrowers pay an average of Br33.1 thousand under the program.

According to analysts, borrowers take a mortgage loan for a period of about 28 years (337 months). To date, the highest rates of mortgage repayment terms are noted in the Southern Federal District and SFD: 344 (28 years 8 months) and 340 months (28 years 4 months) respectively. Domklik added that, as a rule, the regions with high income levels, such as Moscow and St. Petersburg, are characterized by shorter loan terms. However, according to the data as of the beginning of the year, lending terms in the capital cities do not differ much from the all-Russian level: in Moscow - 338 months, in the Moscow region - 339 months, in St. Petersburg - 335.