Analysts named Moscow's districts with the most profitable mortgages

In the Kryukovo district in Zelenograd, Mitino and Molzhaninovsky district near Sheremetyevo, the lowest family mortgage payments among the locations of old Moscow range from 53 thousand to 59 thousand rubles per month. This was reported to Izvestia on October 16 by analysts of the financial marketplace "Banks.ru" and "Cian", having estimated in which areas of the capital it is most profitable to take out a mortgage in 2025.

According to market conditions, new buildings are most affordable in Silino, Troparevo-Nikulino and Novokosino, secondary buildings are in Kapotna, Biryulyovo-Zapadny and Silino. At the same time, Russians with an income of 106 thousand rubles or more are more likely to approve a family mortgage in Moscow. To obtain a market mortgage when buying a new building, you will need an income of 213 thousand rubles, when buying an apartment on the secondary market — from 306 thousand rubles.

It is most profitable to apply for a mortgage on primary housing under a family program in the Kryukovo area — here the minimum monthly payment is only 53 thousand rubles. Payments will also be relatively low for future residents of Mitino and Molzhaninovsky district. It has some of the lowest prices in the primary market of the capital. In the first 10 districts, according to the availability of a family mortgage, Russians with incomes from 106 thousand to 159 thousand rubles have the most chances of loan approval.

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The leader in mortgage availability in new buildings by market conditions is Silino, where the monthly payment is 106 thousand rubles. On the second and third lines are Troparevo—Nikulino and Novokosino. In these areas, compact lots are sold in apartment complexes, which is why prices are lower. The borrower's income in the top 10 districts in terms of mortgage availability should be in the range from 213 thousand to 380 thousand rubles.

Mortgages on the secondary market are most affordable in the Kapotnya area, with a monthly payment of 153 thousand rubles. Next on the list are Biryulyovo-Zapadnoye and Silino. These areas are located near the MKAD, so housing prices here are usually lower than in more central locations in Moscow. A borrower with an income from 306 thousand to 380 thousand rubles has more chances of mortgage approval.

"In 54 districts of Moscow, Russians will be able to purchase an apartment on the secondary market on the most favorable terms. The payment will be from 153 thousand rubles per month. Mortgages are most profitable for primary housing in 19 districts of the capital. The monthly payment will be from 53 thousand rubles for a family mortgage, from 106 thousand rubles for a market mortgage," said the director of mortgage product development at the Banks financial marketplace.<url>" Irina Polishchuk.

Mortgage payments at the market rate in most districts of Moscow will be lower when buying an apartment on the secondary market, explained Mikhail Svetlyshev, Director of Mortgage Development at Cyana.

"This is primarily due to the price difference — in the capital as a whole, a square meter in new buildings is about 20% more expensive than in the secondary market," he explained.

In the analytical center "Movement.On October 13, <url> reported to Izvestia that in August 2025, the volume of overdue mortgage loans reached the highest levels in the entire history of such programs in Russia and amounted to 156.9 billion rubles.

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