Financier Mehdiyev advised Russians not to repay the mortgage ahead of schedule

Instead of paying off your mortgage early in 2025, it's better to put your spare money on deposit. This was announced on March 19 by the founder of the Credit Card service, Elman Mehdiyev.

He noted that when deciding on partial early repayment of a mortgage, it is important to compare the loan interest rate and the deposit rate.

"If the mortgage rate is 18%, and the "free" funds can be placed at 21%, it is clear that it is better to deposit the "extra" money. If the consumer loan rate is 29%, and the deposit can be placed at 21%, then it is unlikely that anyone will have a question about where to carry the "hard earned," he said "Газете.Ru ".

The expert stressed that this strategy is relevant only for partial early repayment. He also added that no deposit will be able to fully offset the cost of the loan with full early repayment. At the same time, we are talking exclusively about funds that are not included in the next debt repayment payment.

Credit deal: getting a family mortgage will become easier

How the market will be affected by changes in the terms of compensation to banks

On March 16, Freedom Finance Global analyst Vladimir Chernov reported that a significant reduction in requirements for borrowers on family mortgages, which the authorities have been actively discussing lately, can only lead to higher prices. At the same time, Yulia Kovalenko, an economist at Plekhanov Russian University of Economics, added that prices for individual facilities may rise even more actively.