Last year, the rate of decrease in bad debts in housing loans slowed down by 2.4 times compared to the previous year. In this respect writer Referring to the statistics of the collection agency “Debt Advisor” “Lenta.ru”.
According to Debt Advisor, the benchmark at the end of 2022 was 8% versus 19% at the end of 2021. Last year, the amount of non-performing mortgage loans in banks decreased by 5.6 billion rubles, while a year ago it decreased by 15 billion rubles.
Collectors explained that according to the data at the beginning of this year, every 251th mortgage loan could become problematic, and every 167th housing loan in 2022 was like this. At the beginning of January this year, the total amount of overdue debts on housing loans amounted to 61.1 billion rubles, and in the same month of last year – 66.7 billion rubles. The share of non-performing housing loans in the total housing loan portfolio decreased from 0.6% in 2021 to 0.4% in 2022.
Former Chief Economist of the Main Branch of the Central Federal District of the Bank of Russia Alexandra Lvova said How to save on the “Gazette.Ru” mortgage. If the borrower takes out a loan with government support, uses the bank’s and developer’s own program, or refinances the loan at a lower rate, he can lower the mortgage interest. It also helps you save on mortgages by applying for tax breaks.