Square meters in debt: delay of Russians on a mortgage can grow up to 200 billion rubles
Krympress reports:
The overdue debt of Russians by mortgage by the beginning of February reached a record mark of 100.6 billion rubles. This is reported «News» With reference to the materials of the Central Bank.
At the same time, the total volume of housing loans, on the contrary, is reduced. Since the beginning of the year, the indicator decreased by 108 billion rubles, to 19 trillion rubles.
According to the financial expert, the analyst Vitaly Kalugin, the growth of overdue debt on a mortgage was predicted. He made an appropriate statement in an interview with a CIAN. Zhurnal correspondent.
The figure of 100 billion looks tidy. But in fact, it is not so big. With an average mortgage amount of 4 million rubles per delay, it turns out that about 25 thousand loans came out. So far, this is a little. But the problem is that at the end of the preferential mortgage, people took loans as not. Even those who, in fact, had no financial capabilities for this— the specialist notes.
According to Vitaly Kalugin, now loans are taken to delay last year.
And a real explosion can occur closer to the summer, when the delay will grow serious pace against the background of a decrease in the disposable incomes of the population, which is clearly inhibited. And by the end of the year we can see a delay of 200 billion, which will reflect the real picture— continued the speaker.
In his opinion, many took housing loans in the hope of restructuring or some help from the state, but now «pitfalls come to the surface.»
This will have social consequences because people will be evicted from housing. And we will see such reports where families are evicted outside. Hundreds of families. These apartments belong to banks, they sell them and evict people. The shaft will go significant, and it will be in the summer or autumn— Vitaly Kalugin predicted.
Valery Tumin, director of the Russian market and the CIS FAM Properties, said that the total amount of the debt of Russians in mortgages is 20 trillion rubles, and the delay level of 100 billion rubles is 0.2% of the total.
This may seem like a low indicator, but they scare the growth rate of overdue payments. Just a year ago, at the beginning of the year, the indicator was 62.8 billion rubles, that is, an increase for a year — 62.5%— the expert emphasized.
In his opinion, a significant increase in overdue debt is due to the fact that not all borrowers were able to really evaluate their own forces and now, after a couple of years, it is no longer able to regularly make payments.
All those encountered with the inability to correctly repay the loan were on a financial trap. The current record key rate does not allow restructuring the debt to an acceptable percentage. The mortgage of credit holidays does not apply to the mortgage. And to temporarily overcome difficulties, the borrower cannot get another loan due to high debt load and macroprudentic limits— explained Valery Tumin.
He also added that the specifics of mortgage lending itself involves high checks of several million rubles, and each delay for more than 90 days is an automatic debt of more than 300 thousand rubles with growing penalties and fines under the contract.
In the context of just a few contracts, these are millions of rubles. The client ultimately either extinguishes the debt thanks to relatives or the sale of valuable real estate or car, or parted with a mortgage apartment. Given these factors, we predict the growth of delay in 2025, as well as the growth of cases of bankruptcy of individuals— summed up Valery Tumin.
source: CYANOGEN
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