Russians are less likely to approve mortgage loans for the purchase of finished and under construction apartments. In this respect “Izvestia” He told the company “Etazhi”.
“The requirements are becoming more and more stringent. If in 2023 all banks in general managed to achieve an approval rate of 80-82%, in January-February this year it fell sharply to 73%, while the approval rate fell most noticeably for banks with the largest share. issued mortgages,” – said Tatyana Reshetnikova, deputy head of Etazhi mortgage department.
According to expert estimates, the country’s top 15 mortgage-granting banks now approve only 59% of applications for the purchase of “primary” housing and 55.4% for finished housing.
Reshetnikova explained that credit institutions began to select borrowers more carefully. Now banks evaluate not only the actual debt burden but also the potential debt burden. Used but never used credit cards and approved loan applications are taken into consideration.
The analyst admitted that in the near future the approval rate of mortgage loans in Russia may even fall below 50%.
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