More than half of the top 10 banks have lowered real mortgage rates

Rates on basic market mortgage programs have decreased among key market players, Izvestia found out from data from the websites of credit institutions. Since April 1, six banks from the top 10 have adjusted the range of the full cost of such loans by 0.5-1.5 percentage points. UCS have been lowered in Sberbank, VTB, Alfa-Bank, Sovcombank, Dom.rf and Ak Bars Bank.

Submit the scheme: the Central Bank announced complaints about banks' violation of the mortgage standard

The regulator recalled the introduction of penalties for this from April 1.

Banks include in the cost of their products the possibility of easing the key interest rate in the second half of 2025, explained Nikita Kulagin, head of the Macroeconomic Analysis Department at Sovcombank. Nevertheless, this level remains a barrier for Russians, since it is much more profitable to buy a house on a preferential mortgage, the rate of which will be five times lower than the market rate.

At the same time, the initial payment for state-supported programs has reached almost a third of the cost of housing, according to Dom.rf data (Izvestia has it). In January, the indicator was at a record high of 32%, and according to preliminary information for February, it increased even more — above 33%.