Malkova named the conditions for reducing the mortgage payment to 50 thousand rubles.

The average monthly mortgage payment in Russia may decrease to 50 thousand rubles if market rates decrease to a comfortable level. Yulia Malkova, Associate Professor of the Department of International Business at the Financial University under the Government of the Russian Federation, told about this on January 25.

According to her, the key factor remains the Bank of Russia's rate, which directly affects mortgage lending conditions. Malkova noted that if mortgage rates drop to 12%, which many economists consider comfortable for a mass market mortgage, it will be possible to talk about a decrease in the average payment in the region of 50 thousand rubles.

"But the stakes don't come out of thin air. Their size, therefore, mortgage payments depend, among other things, on the economic situation and the level of inflation in the country, competition between credit institutions, government support programs, etc.," Malkova told the Prime agency.

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Prices on the "primary" and "secondary" markets will continue to rise, and demand will depend on mortgage rates.

Earlier, on January 20, it was reported that the State Duma proposed to reduce the minimum down payment on a military mortgage from 20% to 10%. According to the initiators, this measure will increase the availability of housing for military personnel and reduce the risks of mortgage debt.

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