The economist gave advice to Russians planning to buy an apartment with a mortgage

While loan rates in Russia have not decreased, those who plan to buy an apartment with a mortgage should form a financial cushion. This opinion was expressed by Candidate of Economic Sciences, financial analyst Mikhail Belyaev on Thursday, June 19.

According to the economist, the difference in reducing the key rate from 21% to 20% is not noticeable. He called for waiting for a further decrease in the indicator by the Central Bank (CB).

"The interest rate will decrease, there will be favorable conditions — then you will be ready to apply for a mortgage, and if these conditions are not created, this pillow will still not hurt you in order to solve some other vital issues and problems," Belyaev said in an interview with Lenta.Ru .

The expert recommended methodically saving money to form a financial cushion. He noted that 10% of earnings can be painlessly postponed at virtually any income level.

"Plus, the use of available financial instruments that are available now: these are bank deposits and individual investment accounts," Belyaev recalled.

"The value of the key rate should be less than 10%"

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Earlier this day, the head of the Central Bank of Russia, Elvira Nabiullina, said during the macroeconomic session at the SPIEF that the financial regulator would lower the key rate as inflation slows, RT reports.

The head of the Central Bank made the corresponding statement during the macroeconomic session at the St. Petersburg International Economic Forum (SPIEF-2025), according to the website. kp.ru .

On June 6, the Central Bank lowered its key rate to 20% after a long period of tight monetary policy.

According to the Director of Macroeconomic Analysis at Dom Bank.Russian Federation" by Zhanna Smirnova, the trend towards reducing deposit rates in the Russian Federation will accelerate after the key rate cut. She suggested that the key rate would slowly decrease and reach 17-18% by the end of the year.