Perspective: a mortgage will become available in the next two years

The Central Bank has only outlined the softening of monetary policy. So far, this process goes slowly, but in the next 1-2 years, the conditions of housing lending will become comfortable, Syrtsov believes. He expects an increase in the demand for housing in the summer of 2025. According to the expert, borrowers are more willing to draw up installments and loans on market conditions. In addition, during a period of low demand, liquid lots can be bought with a good discount. In summer, the demand for housing will grow, but not exciting, an expert awaits.

Recall that earlier Sberbank reduced bets on a market mortgage-by 2-3.5 percentage points. VTB plans to reduce market loans rates in the second half of June.

For a sharp increase in demand, a more serious decrease in the key rate is required-by 3-4 percentage points. One at a time, said Syrtsov. With such devices of the regulator, the market will begin to get out of stagnation. Banking activity will increase, prices will begin to rise, the number of discount shares will decrease. To achieve excitement demand and a record number of housing transactions, it is necessary to sharply reduce the key rate to 15% or in stages to reduce the indicator to 10-12%, the expert believes

Do not wait for a quick effect from reducing the key rate, said Elena Chetidaeva, head of the Department of Analytics and Consulting of NDV Real Estate Supermarket. A decrease in the rate by 1 p. P. will revive the market a little, but most consumers can take a waiting position.

Tatyana Reshetnikova, deputy head of the mortgage department of the Feazh federal company, is sure that a greater effect for the real estate market will not have a decrease in mortgage rates, but gradually a decrease in the profitability of deposits. Funds from deposits will begin to return to the real estate market. The expert added that even mortgage rates at the level of 14-16% per annum can noticeably revive the housing market.

source: CYANOGEN