In the fourth quarter of 2022 (October-December), 44% of housing loans were given to Russians, who have already paid loans with more than 80% of their monthly income. information about it published Press service of the Central Bank of Russia.
According to the regulator, the debt burden of such borrowers exceeds 80%. At the same time, the share of such loans in the third quarter of 2022 (July-September) was 36%.
In addition, the Central Bank of Russia reported an increase in the share of low-down payment (up to 20% of the property value) mortgage loans. In October-December 2022, the indicator reached 53% from 48% in July-September.
The previous day, the press service of the Bank of Russia reported Regarding raising the level of risk provision ratios for mortgage loans from 1 May 2023. We are talking about loans for the purchase of housing under the agreement to participate in joint construction.
Last week, analysts at NDV Supermarket Real Estate saidBuying mortgaged housing in the secondary market has its own subtleties, which the buyer should pay attention to.