Russians minimize early mortgage repayments 00:48

At the beginning of 2024, Russians repaid mortgage loans from personal funds in the amount of 397.4 billion rubles ahead of schedule. writes about this RBC According to data from the Central Bank of Russia (CBRF).

Compared to the same period of the previous year, early payment volume decreased by 10%. The lowest level of repayment was observed in the third quarter of 2022 (342 billion rubles), when sanctions were introduced.

For the entire year 2023, Russians have repaid mortgage debts ahead of schedule by more than 2 trillion rubles. The volume of such repayments increased by almost a third (32%) during the year.

From January to September, the amount of early loan repayments increased from quarter to quarter, but at the end of the year there was a decline: in October-December, the volume of repayments fell by 7% compared to the third quarter. not typical for the end of the year.

However, at this time last year the basic rate was increased (to the current 16%). Thus, the decrease in early mortgage loan repayments continues for the second quarter in a row.

“If we compare the average amount of early repayment in a given period with the total volume of the mortgage portfolio, we can see an even more serious decline. In the first quarter of 2023, 3.1% of the portfolio was repaid, while at the beginning of this year this figure was only 2.2%, Yegor Lopatin, director of the financial institution rating group of the NKR agency, told the publication.

Before that the Far East and Arctic mortgage program distributed About SVO participants. The program will be available to Russian citizens who are participating or have previously participated in a special military operation in Ukraine, as well as family members of those who have not returned from the Northern Military District.

Previously in government said about mortgage demand in new regions.

What are you thinking?

Source: Gazeta


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