About 20% of Russians take a micro-library to buy a home.

About 20% of Russians who buy housing on the secondary market have a down payment of more than 70% of the cost of an apartment, the federal company Floors calculated exclusively for Izvestia.

"In conditions of high rates on market loans, the share of transactions in the secondary market using micro-libraries remains high. It peaked in July of this year at 22%, then after the Central Bank's monetary policy eased, it decreased by 2% due to an increase in the share of loans with a minimum down payment," says Tatyana Reshetnikova, deputy head of the mortgage department at the federal company Floors.

According to her, in the current conditions of high mortgage rates on the market, a large proportion of loans with a small amount of borrowed funds is fully justified, since this allows you to quickly repay the loan and minimize overpayments on expensive loans.

Experts from the federal company "Floors" estimated the repayment period of mortgages due to rent payments in Russian megacities, when borrowed funds account for only 30% of the cost of housing. For the calculation, the average rental rate of a studio apartment and the average cost of an apartment of 35 square meters were taken.

Yekaterinburg took the first place in the rating, where the mortgage repayment period for a one—room apartment purchased on such terms and leased is 5.6 years, Chelyabinsk is in second place - 5.8 years, Novosibirsk is in third (6.1 years), Rostov-on-Don and Perm are in fourth (7.2 years), fifth Volgograd (7.5 years old). This is followed by Krasnodar (7.6 years old), Samara (7.9 years old), Krasnoyarsk (8 years old), Nizhny Novgorod (8.4 years old), Omsk (8.5 years old), Voronezh (9.4 years old), Ufa (11.6 years old), Moscow and Kazan for 11.9 years and St. Petersburg (13.5 years old). In general, in Russia, at a rate of 20%, the repayment period is 7.6 years, if the loan rate is later reduced to 18%, the term will be reduced to 6.8 years, and if the mortgage rate is reduced to 10%, the term will be reduced to five years. Such a reduction in price is possible, since the loan can be refinanced repeatedly.

"Stories about renting out an apartment for the first time after purchase in Russia are becoming more and more popular, which makes it possible to reduce mortgage overpayments due to partial early repayment and wait for refinancing on more favorable terms. This trend was also noted in 2014-2015, when mortgage rates were also prohibitive," Reshetnikova summed up.

Sales table: developers and buyers refuse installments for housing

By the fall of 2025, the volume of such offers amounted to only 10%

Earlier, on September 15, experts from Domclick and Sberindex analyzed the dynamics of mortgage transactions and concluded that the growth rate of housing prices in the current month continues to decline both in new buildings and in the secondary market.

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