Analysts of Domclick estimated the growth of mortgage payments over eight years

The cost of a mortgage payment for an apartment in a new building has increased by only 29% over the past eight years, and for ready—made housing by 43.4%, Domclick analysts estimate. This is much lower than the income growth of the population over the same period, experts noted.

The cost of servicing a mortgage loan is falling for the borrower every year, Domclick found out. If the clients of preferential mortgage programs repay the loan in an average of nine years, then the clients of market programs — in 2.5 years.

At the same time, the mortgage payment is growing slower than the cost of the "square". This is due to the fact that buyers of apartments in new buildings mostly take out mortgage loans at preferential rates. In this case, as the loan term increases, the monthly payment decreases significantly, experts emphasize.

According to Domclick, monthly payments on mortgage loans taken out in 2025 outside the framework of preferential programs averaged 35-40 thousand rubles. For the capital — 97 thousand rubles. Analysts estimated these amounts at about a quarter of the borrowers' monthly income.

For secondary housing, the "stabilizer" of the monthly mortgage payment has become the opportunity to choose apartments in houses of different years of construction, according to Domclick. Thus, the facilities of the old housing stock are cheaper for borrowers. At the same time, interest in houses built before 2000 is only growing. In 2019, such transactions accounted for 59% of all apartments purchased on the "secondary market", in 2024 — 69%.