20% of the inhabitants of the Southern Fedokruug plan to take a market mortgage for the purchase of housing in the next year

Krympress reports:

In most cases, when choosing a mortgage, residents of the Southern Federal District are oriented towards the interest rate and the monthly payment (55%each). The amount of the loan as the most important parameter is marked by 20% of respondents in the district, and the loan term is 19%. Among the additional conditions of the bank, in the design of a mortgage, residents of the Southern Federal District primarily call the presence of flexible conditions of early repayment (35%).

Avito Real Estate specialists interviewed 2700 adult Russians who plan to buy housing in the next 12 months to learn about the goals and methods of financing such a purchase.

Most often, the main reason for the acquisition of new housing by the Russians called the desire to improve the quality of life (27%) or buy real estate for children, parents or other relatives (17%). At 13%, they gained answers related to moving from a rented apartment or from parents, as well as the expansion of the family. 10% of those surveyed as the main motivation for the purchase of new housing called the preservation of funds and moving to another city. Another 7% of respondents plan to make a profit from leasing or further resale of residential real estate. Read more about the main reasons for the acquisition of housing, which were noted by residents Southern Federal District— in the table.

The main reasons for the purchase of new housing	The share of answers by the Southern Federal District	The share of answers in Russia
Improving the quality of life	25%	27%
Moving from a rented apartment or from parents	17%	13%
Family expansion	17%	13%
Buying housing for children, parents or other relatives	16%	17%
Moving to another city	12%	10%
Preservation of funds	7%	10%
Profit from resale or lease	5%	7%

The most popular way to finance the purchase of future housing among respondents was their own savings (47%)*. The residents of the central f (52%) are more guided by the more than others, the least — South and North Caucasian FOR (41%each). A quarter of Russians surveyed (25%) when buying plans to use funds from the sale of existing real estate, 24% expect to take a mortgage at a preferential rate on new buildings. Among the respondents from Yufo The use of funds from the sale of existing real estate was chosen in 22% of cases, and a mortgage at a preferential rate on new buildings at 21%. Most often, residents of Ural (30%) and Far Eastern FOR (29%) declared a desire to use a preferential loan. The latter is available to the same mortgage under a maximum of 2% per annum.

Every fifth (20%) respondent plans to use a housing loan at a market rate, 15% — installments from the builder, 13% — consumer loan. 11%of respondents intend to take money from relatives, friends or acquaintances, to sell a car or other movable property — 10%, to use the housing certificate — 8%.

Separately in Yufo 22% intend to sell movable property, 20% — use the market mortgage, 14% — use the installmenter from the developer and take funds from relatives, friends or acquaintances. 13% of respondents plan to take consumer loan, 12% — use the housing certificate.

Among those who want to take a mortgage at a preferential rate, the majority primarily counts on the family program (68%). More often than others, such an option was chosen in South f (79%). Another 10% of Russians surveyed are aimed at a rural mortgage, 6% at the Far Eastern and Arctic, as well as on an IT mortgage. Interestingly, 80% of those who will use the housing certificate at the same time plan to take a family mortgage, and selling movable property will be 17% of respondents aimed at the IT mortgage.

Among the inhabitants Yufowho would like to take a preferential loan, Most prefer family mortgage (79%). 10%-an IT mortgage, 6% noted a rural mortgage.

The most important parameters when choosing a mortgage program of 51% of Russians surveyed named the monthly payment and interest rate*. The first parameter was especially often chosen in the Far Eastern FOR (70%). The respondents also pay attention to the size of the initial contribution (42%), the possibility of early repayment and the loan amount (24%), the mortgage term (21%) and the possibility of using maternity capital (19%). The last version of the answer was often called by residents South F. (29%). More about the most important parameters when choosing a mortgage program among residents Southern Federal District — In the table.

What parameters are most important when choosing a mortgage program	The share of answers by YuFO*	The share of answers in Russia*
The value of the interest rate	55%	51%
The size of the monthly payment	55%	51%
The size of the initial contribution	38%	42%
The possibility of using maternity capital	29%	19%
The possibility of early repayment	21%	24%
Credit amount	20%	24%
Loan term	19%	21%
The possibility of refinancing mortgages	13%	12%
Payment schedule	12%	14%
The possibility of delaying the first payment	5%	6%

Recently, when choosing a mortgage program, Russians are increasingly focusing not only in the amount that will be paid every month, but also on a loan rate. Many buyers are not ready to take a mortgage at a high percentage, considering the overpayment of the loan significant. Preferential programs continue to stimulate the demand for primary housing. At the same time, in the secondary market, the behavior of borrowers changes: they borrow a small amount as an additional payment and plan to close the loan in a short time. It is worth noting that according to the study, more than a third of Russians from among those who have previously postponed the decision to buy, are ready to return to the issue of purchasing housing in case of reducing market rates on mortgages— Arthur Akhmetov, the head of the business reference “Mortgage, insurance and trial services” “Avito Real Estate” commented.

With the growth of the key rate, the market mortgage has become less popular: more than 80% of the issued mortgage loans now falls on state programs, a large share of which is issued by “family mortgage”. According to the results research Frank RG “Mortgage in Russia 2024”, at a rate above 16%, customers tend to refuse housing loans, considering other financing tools or delaying the purchase. People who purchase residential real estate at market mortgage rates today are those who have a large initial contribution or who needs to quickly solve the housing issue— notes Olga Filippova, senior project leader, head of the Frank RG project project.

Among the important additional conditions of the bank when applying for a mortgage, respondents most often called the presence of flexible conditions of early repayment (40%), benefits for salary customers (36%), quick approval mortgage (35%), reduction in the rate during insurance (33%). The last two options were often noted by respondents from the Far Eastern FOR (47%each). Special conditions for the purchase of housing from a bank partners are important for 27% of respondents (in the Urals for 38%), programs with minimal income confirmation — for 23% (in South f for 37%). The respondents noted the possibility of submitting an application online in 20% of cases, and the restructuring of payments — in 19%. The presence of a personal manager in the bank to support the transaction was noted by 12% of those who plans to issue a mortgage. Read more about the most important additional conditions of the bank when applying for a mortgage among residents Southern Federal District — In the table.

What additional conditions of the bank are most important for you when applying for a mortgage?	The share of answers by Southern Federal District*	The share of answers in Russia*
Programs with minimal income confirmation	37%	23%
Flexible conditions of early repayment	35%	40%
Benefits for salary customers	34%	36%
Fast approval of the application	32%	35%
Reducing the rate during insurance	27%	33%
Special conditions for buying housing from bank partners	25%	27%
The possibility of restructuring payments	20%	19%
The ability to submit an application is completely online	18%	20%
Personal manager to support the transaction	16%	12%

* Respondents could choose several answers, so their amount is more than 100%

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