Photo: Vladimir Astapkovich / RIA Novosti
The number of transactions with new buildings, concluded with the assistance of a mortgage loan, has decreased in Russia over the 12 months by 17 percent. This is stated in the materials of analysts CYANOGEN (at the disposal of edition”.ru”).
These results showed a comparison of the volume of issuance during the first half of 2018 and for the first half of 2019. In monetary terms, the issuance of housing loans decreased by 9 percent. However, as emphasized in CYAN, negative mortgage dynamics were observed against the background of General growth in the number of deals with housing demand largely provided customers who have been allocated one hundred percent payment of the cost.
The fall in the number of mortgage transactions in the primary real estate recorded in 77 of the 85 Russian regions. Regions-leaders by the number of transactions involving a home loan in the first half of 2019 were Moscow (15 thousand transactions), Saint Petersburg (13.9 thousand trades) and Moscow region (10 thousand transactions). Compared to July 2019 decreased by 14, 11 and 17 percent, respectively.
Relatively high figures are also recorded in Krasnodar Krai (5.9 thousand transactions, minus 17 per cent by July 2019), Bashkortostan (4.9 thousand transactions, minus 16%) and Sverdlovsk region (4.1 thousands of deals, minus 35 percent).
Earlier, analysts from the National Bureau of credit histories (NBCH) has calculated how much you need to earn a family of Russian borrowers to spend on the servicing of the mortgage no more than a third of total income. The national average figure was 75.6 thousand rubles per month per family. According to the statistics of “BCS Premier”, the average family spends Russian borrowers to repay mortgage 51.7% of the family income. In Moscow this figure reaches 59 per cent.
Video, photo All from Russia.
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