CrimeaPRESS reports:
The mortgage loan portfolio of individuals from RNKB Bank has increased by 9% since the beginning of the year and in May 2023 exceeded 70 billion rubles. Since the beginning of this year, the bank has issued more than 2.6 thousand mortgage loans in the amount of about 11 billion rubles. Compared to the same period in 2022, the volume of mortgage loans issued increased by almost 50%.
In 2023, 60% of all mortgage loans for new buildings were issued by the bank as part of preferential government programs to support mortgage lending. The total amount of loans issued since the beginning of the year on favorable terms at a reduced interest rate has reached 2 billion rubles. It should be noted that the RNKB bank also provides a discount to the interest rate on state programs in the amount of 1% if the facility is being built with the help of RNKB project financing.
Almost 60% of applications for a mortgage loan at the RNKB are submitted online without a visit to the bank’s office. More than 90% of loans for the purchase of housing in new buildings and 60% of loans for the purchase of apartments in the secondary market are issued entirely in electronic format, and in 15% of all transactions maternity capital is used as a down payment. When preparing a mortgage transaction, the client can submit all the necessary documents to the bank online via the mobile application chat.
The average check in 2023 compared to 2022 increased by 20% and exceeded 4 million rubles, the average borrower age was 38 years for men and 40 years for women.
We note an active recovery in demand for mortgage lending in Crimea compared to last year, — says Nikolai Bilan, Deputy Chairman of the Board of the RNKB. — The growth in mortgage issuance became possible due to timely measures taken by the Central Bank of the Russian Federation and the Government of the Russian Federation, as well as active interaction with partners of the RNCB.
Interestingly, about 30% of mortgage loans in the RNKB are issued by residents of the Russian mainland, while many use the opportunity to purchase an apartment on a mortgage without visiting the peninsula using a completely remote transaction. As part of such transactions, the RNCB has already issued more than 750 million rubles for the purchase of housing in the Crimea. Most often, housing in the Crimea is bought by residents of the Krasnoyarsk Territory, Sverdlovsk and Amur Regions, and most often apartments are purchased in the town. Koktebel, Saki region and Yalta.
You can apply for a mortgage loan without visiting the office on the bank’s website or in the RNKB mobile application.
source: RNKB press service
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