The expert estimated the growth of the initial mortgage payment to a third of the cost of housing

Mortgage loans are considered less risky compared to consumer loans, as the borrower has already accumulated a significant portion of the cost of the apartment. The 30% contribution confirms the borrower's financial viability, his ability to save money and earn, the head of the Real Estate Market Indicators analytical center told Izvestia on April 2. IRN.RU " Oleg Repchenko.

"The situation when the initial payment was constantly reduced in order to increase the cost of apartments is abnormal, and it led to risky schemes. Therefore, a return to 30% is normal, as it should be," he said.

According to him, the average price of an apartment in Moscow is about 20 million rubles. To meet the limits on a preferential mortgage, the buyer needs to make an initial payment of 8 million rubles, which is about 40% of the total cost of housing.

"Why is this happening under preferential programs? I think this, again, is due to the inflated prices of apartments and the availability of a limit on preferential programs. For the same family mortgage — 12 million rubles for Moscow and St. Petersburg, and for the regions - 6 million rubles," concluded Repchenko.

How to save money: a mortgage with an affordable down payment is a thing of the past

Now people need to collect a third of the cost of housing — for this they will have to save money for an average of three years.

Earlier, on March 21, the company "Dom.RF" has published a list of cities available for family mortgages for secondary housing. It was clarified that Russians can purchase secondary housing on a family mortgage at a rate of 6% per annum in 901 settlements. Among them are Murmansk, Vorkuta, Gelendzhik, Norilsk, Komsomolsk-on-Amur, Pereslavl-Zalessky, Nazran, Ukhta, Yeniseisk and others. So, the list includes cities from almost all regions except the capital.