Officially: every sixth bore of a mortgage pays several loans

More than half of the mortgage borrowers, 55%, do not have other current loans, the study “Dom.rf” was said, conducted together with the VTsIOM. In this case, the share of borrowers paying several more loans in addition to mortgages increases.

According to the study, 16% of mortgage borrowers have two more loans. The share of such borrowers over the year increased by 6 percentage points. The share of those who have a credit card and a consumer loan increased by 3 percentage points for a year, to 8%. The share of those who, in addition to a mortgage, pays a car loan and a consumer loan and have a credit card, have grown by 2 percentage points, to 4%.

In 52% of families paying a mortgage, a monthly payment does not exceed 30% of family income. At the same time, the borrowers who have issued a mortgage for the purchase of secondary housing at market rates, credit load has grown over the year. Those who have acquired primary housing in a mortgage did not have a noticeable increase in load, since in the market of new buildings, apartments were most often sold at preferential rates.

According to Dom.rf, 33% of mortgage borrowers have high debt load. They give at least 50% of the total family income for payments on a loan. In the secondary market, the share of such borrowers increased 1.5 times, in the primary market it has not changed.

In case of a deterioration in the financial situation, about 20% of borrowers intend to ask for help from friends or relatives, 16% are ready to sell their property, another 10% plan to try to seek state support. Only 5% of respondents with a deterioration in the financial situation are ready to skip mortgage payment or take an additional loan.

source: CYANOGEN