Analysts noted an increase in mortgage approvals in the second half of 2025

The second half of the year was positive in terms of the growth in mortgage loans for all segments of real estate, experts from Sberbank's analytical center Domclick found out. The highest growth rates of rents were observed in secondary housing.

According to the results of the second half of 2025, mortgage disbursements in Sberbank exceeded 2 trillion rubles. This is almost 130% more than it was in the first half of 2025 (923.3 billion rubles), experts estimate.

The highest growth rates of rents were observed in secondary housing — 215%. The growth in the suburban housing market was about 130% compared to the first half of the year, and the volume of loans for new buildings increased by 115%, said Alexey Leypi, director of Sberbank's Domclick department.

Secondary housing has become the leader in demand growth — rents in this segment have tripled. Since October 2025, the volume of secondary loans has not fallen below 50 billion rubles, and the maximum values were reached in December — about 85 billion rubles.

In 2025, the largest share of ready-made housing in rents was observed in the Magadan Region (54%). The Arkhangelsk Region took the second place (40%), and the Murmansk Region closed the top three (38%).

In the second half of the year, demand for new buildings also more than doubled: from 665 billion rubles in the first half of 2025 to more than 1.4 trillion rubles. It especially intensified by the end of the year against the background of government plans to limit family mortgages, the main driver of demand for new buildings.

By the end of 2025, megacities and large regions have become leaders in demand for new buildings. In Moscow, new buildings accounted for 79% of the total issuance, and in St. Petersburg and the Novosibirsk region - 78%.

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