The economist named a way to increase the availability of mortgages for Russians

Regulating mortgage interest rates can make lending more affordable for Russian residents. This was announced on February 3 by Mikhail Golovnin, Director of the Institute of Economics (IE) of the Russian Academy of Sciences.

"Regulation of mortgage interest rates with some conditions. That is, again, the introduction of not only a general category of preferential programs, but also, let's say, some regional correction factors," he told RIA Novosti.

The expert added that the policy of subsidizing rates in certain groups of regions of the Russian Federation can also be implemented at the federal level. He also noted that the possibilities of the budgets of the constituent entities of the Russian Federation are limited by regional preferential programs and do not allow them to be subsidized. This is a deterrent that needs to be taken into account, Golovnin noted.

Forbidden lot: family mortgage is not available to residents of almost half of the regions

The average salary does not allow servicing even a preferential loan in Crimea, Kaliningrad, Krasnodar and other regions.

Earlier, on February 2, Izvestia reported that the Russian housing lending market in January showed abnormal activity for the beginning of the year. The country's largest banks have recorded explosive growth in demand for family mortgages. The reason was the excitement among Russians who were trying to get a preferential loan before the new restrictive rules came into force on February 1.

The driver of the mortgage boom was the upcoming reform of the program. On February 1, the principle of "one preferential loan per family" comes into force, whereas previously spouses could apply for a loan of one object per each.

All important news is on the Izvestia channel in the MAX messenger.