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18/12/2024
Wednesday
THIS DAY IN HISTORY:
18 December 
1970 France, on behalf of 25 EU countries, called for the decriminalization of same-sex relations.
1970 France, on behalf of 25 EU countries, called for the decriminalization of same-sex relations.
1970 The slavery was abolished in the United States.
1970 the slavery in the United States was abolished.
1970 The anthem of the Russian Empire “God Save the Tsar!” was performed for the first time.
18 December
1970 France, on behalf of 25 EU countries, called for the decriminalization of same-sex relations.
1970 France, on behalf of 25 EU countries, called for the decriminalization of same-sex relations.
1970 The slavery was abolished in the United States.
1970 the slavery in the United States was abolished.
1970 The anthem of the Russian Empire “God Save the Tsar!” was performed for the first time.
Moscow mortgage monthly payments reached 177 thousand roubles
Moscow real estate market is experiencing a period of increased turbulence. And while many developers are ending support for mortgage subsidy programs that have become popular during the pandemic, bank lending rates continue to rise.
According to the analytical data, basic mortgage loans almost never fall below 20% per annum, and the purchase of one-room metropolitan housing may require a monthly payment of 177 thousand rubles.
According to RBC Real Estate, Alfa-Bank is the leader among the top ten credit institutions with the largest mortgage portfolios. It offers to get a loan for the purchase of secondary housing at 15.19% per annum, and for the "primary" real estate the minimum rate is 14.89%.
In their calculations, RBC Real Estate analysts proceeded from the average cost of Moscow housing for a one-room apartment (8.75 million rubles) and more or less standard mortgage lending terms for a period of 22 years and a 20% payment as a down payment. At the same time, programs of concessional lending, state support and other factors affecting the reduction of the base rate were not considered.
Experts note that for the majority of banks, rates exceed 20% per annum. So, for example, Raiffeisenbank offers a rate of 20.69% for the purchase of a new housing, Sberbank - 20.8%, FC Otkritie - 22.99%, VTB - 23%, and Rosbank - 24.5%.
However, this rate is not the limit. In Rosselkhozbank, a buyer of housing in a new building of the capital is offered to take a loan at 26% per annum, and in Promsvyazbank - at 26.3%. At the same time, the annuity payment in the Russian Agricultural Bank will amount to 152.2 thousand, and differentiated - 178.2 thousand per month.
According to specialists of the Metrium real estate agency, there were about 6.6 thousand posted ads for the sale of one-room apartments in the capital worth less than 8.8 million rubles (data from mid-March 2022), and more than half of them (3.58 thousand) were advertisements for the sale of studio apartments.
According to the analytical data, basic mortgage loans almost never fall below 20% per annum, and the purchase of one-room metropolitan housing may require a monthly payment of 177 thousand rubles.
According to RBC Real Estate, Alfa-Bank is the leader among the top ten credit institutions with the largest mortgage portfolios. It offers to get a loan for the purchase of secondary housing at 15.19% per annum, and for the "primary" real estate the minimum rate is 14.89%.
This means that the loan monthly payment will be from 90.3 to 91.9 thousand roubles.
"Dom.RF" bank offers to take a mortgage loan at 19.5% per annum, regardless of whether the client is going to buy an apartment in a new building or in the secondary housing market. The credit institution indicates on its website that in this case, the citizen must receive at least 192.4 thousand roubles of income per month, 115.4 thousand of which he will have to pay for a mortgage.In their calculations, RBC Real Estate analysts proceeded from the average cost of Moscow housing for a one-room apartment (8.75 million rubles) and more or less standard mortgage lending terms for a period of 22 years and a 20% payment as a down payment. At the same time, programs of concessional lending, state support and other factors affecting the reduction of the base rate were not considered.
Experts note that for the majority of banks, rates exceed 20% per annum. So, for example, Raiffeisenbank offers a rate of 20.69% for the purchase of a new housing, Sberbank - 20.8%, FC Otkritie - 22.99%, VTB - 23%, and Rosbank - 24.5%.
The minimum monthly payments on such loans can range from 122 to 144 thousand roubles.
Among credit institutions, Gazprombank stands out for its conditions. It offers mortgages for up to 15 years, and the minimum rate for a standard one-room apartment in Moscow is 25.5%. This means that the client must receive a monthly income of at least 234.4 thousand roubles, of which 152.3 thousand should be allocated for loan payments.However, this rate is not the limit. In Rosselkhozbank, a buyer of housing in a new building of the capital is offered to take a loan at 26% per annum, and in Promsvyazbank - at 26.3%. At the same time, the annuity payment in the Russian Agricultural Bank will amount to 152.2 thousand, and differentiated - 178.2 thousand per month.
According to specialists of the Metrium real estate agency, there were about 6.6 thousand posted ads for the sale of one-room apartments in the capital worth less than 8.8 million rubles (data from mid-March 2022), and more than half of them (3.58 thousand) were advertisements for the sale of studio apartments.
21.03.2022
