The incomes of Russians in megacities for obtaining a family mortgage at 12 are named%

Banks' demands on Russians' incomes will increase sharply by 1.3–1.7 times with the introduction of a differentiated family mortgage rate, the federal company Floors calculated exclusively for Izvestia.

"The availability of preferential loans for families with one child will decrease sharply if it is decided to apply a 12% rate to such borrowers before the family composition increases," predicts Regina Dydalina, executive director of the federal company Floors.

According to the expert's calculations, income requirements will increase from 29% for a 10-year loan term to 72% for a 30-year mortgage.

Mortgage experts from the federal company "Floors" have calculated how income requirements for residents of the largest cities of Russia will increase with the existing average price per square meter in the primary housing market when buying a one-room apartment with an area of 35 square meters. m on a family mortgage at 12% for a maximum term of 30 years and a down payment of 20.1%.

In Moscow, borrowers' income requirements in this case will increase from 77.6 thousand rubles at the current rate of 6% to 133.1 thousand rubles at a rate of 12%, in St. Petersburg from 51.7 thousand rubles to 88.7 thousand rubles, in Kazan from 51.3 thousand rubles to 88 thousand rubles, in Krasnodar from 39.3 thousand rubles to 67.4 thousand rubles, in Omsk from 36.8 thousand rubles to 63.2 thousand rubles, in Chelyabinsk from 32.1 thousand rubles to 55 thousand rubles, in Volgograd from 25.6 thousand rubles to 44 thousand rubles, in Novosibirsk from 37.9 thousand rubles to 65 thousand rubles, in Nizhny Novgorod from 50.6 thousand rubles to 86.9 thousand rubles, in Ufa from 40.7 thousand rubles to 69.8 thousand rubles, in Perm from 38.3 thousand rubles to 65.8 thousand rubles, in Yekaterinburg from 37.1 thousand rubles to 63.7 thousand rubles, in Krasnoyarsk from 31.9 thousand rubles to 54.7 thousand rubles, in Samara from 30.4 thousand rubles to 52.1 thousand rubles, in Rostov-on-DonIn the Don region from 31.8 thousand rubles to 54.6 thousand rubles and in Voronezh from 32.7 thousand rubles to 56.1 thousand rubles.

"The availability of a family mortgage for families with one child will decrease significantly when switching to a differentiated rate. Families will either have to postpone improving their living conditions until the birth of their second child, or purchase smaller housing to reduce their debt burden," concluded Dydalina.

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Earlier, on September 18, Russian President Vladimir Putin announced the preservation of family preferential mortgages. According to him, such measures should apply to certain categories of citizens and territories.

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