Expert: The volume of non -payments for mortgages increased 1.5 times

One of the reasons for the growth of overdue debts is to increase bets on preferential mortgage to a market level. Banks are prohibited from raising rates for current mortgages, but there are exceptions.

People who buy the housing under construction are faced with difficulties in servicing loans, analysts of the Dolgovoy Consultant collection agency said. For 11 months of 2024, the volume of overdue mortgages on new buildings increased 1.57 times, follows from the open data of the Central Bank. Throughout 2023, the growth rate of overdue debt on a mortgage did not exceed 0.18%. The volume of overdue mortgages increased by 3.2 billion rubles to 8.8 billion.

One of the reasons for the growth of non -payments is that banks raised bets on some borrowers to a market level. This is due to the fact that borrowers have ceased to approach the conditions of some preferential mortgage programs.

Analysts recalled that the bank can increase the rate on a preferential IT MIPE, if the borrower has lost the right to participate in the program: he quit from an IT company or an employer was expelled from the register of accredited IT companies.

Such cases are already reflected in the statistics on an overdue mortgage in the primary market, said Denis Aksyonov, CEO of the Dolgovoy Consultant Collection Agency. If the borrower planned to pay a mortgage on preferential conditions, and the bank raises the rate to the market, the payment becomes unbearable.

Banks are prohibited from raising rates for current mortgages, but there are exceptions. Changing the lending conditions is possible in an IT-idling. Also, the bank can increase the mortgage rate in case of refusal of insurance. There are not very many such cases, but they contribute to the growth of overdue debts. In addition, among non -payers are often people who bought an apartment in a new building for a mortgage program from the developer or used installments from developers with a mortgage for part of the amount.

The main reason for the growth in the volume of overdue debt for a mortgage for primary housing is a difficult situation in the real estate market, the expert says. There are fewer transactions on the market, and finding a buyer is getting harder.

source: CYANOGEN