In which regions are the most issued mortgages for individual housing construction
The largest share of lending in the private housing construction segment was recorded in the Moscow region (16% of issuances since the beginning of the year), Krasnodar Territory (15.5 %) and Tatarstan (10%). What preferential mortgage programs for the purchase of country houses are most in demand today?
The top 10 regions also included Moscow, Samara, Nizhny Novgorod, Rostov, Sverdlovsk, Tyumen and Voronezh regions, — said Deputy Chairman of the Board of DOM.RF Bank Alexey Kosyakov.
“The construction of private houses traditionally gains momentum in the spring-summer season, this is confirmed by our statistics — Since the beginning of the year, we have seen lending volumes grow by an average of 27% per month. We expect further development of the segment, especially against the backdrop of the introduction of mortgages for construction through escrow accounts,” — noted Kosyakov.
According to his assessment, the most popular program for private housing construction in transactions from the beginning of 2024 — «Family mortgage». It accounted for half of the concluded loan agreements. With the help of a program for IT specialists, almost every fourth family began to build a private house. «Preferential mortgage with state support» About 22% of borrowers took advantage.
We would like to remind you that the preferential mortgage program for the purchase of housing in new buildings, the construction of a private house or the acquisition of a land plot for its construction is valid until July 1, 2024. For the further development of the private housing market, it is planned to create a unified program to support individual housing construction.
The head of the Central Bank, Elvira Nabiullina, stated that non-addressed preferential mortgages should be completed. In turn, Russian Deputy Prime Minister Marat Khusnullin noted that the Russian government may consider extending preferential mortgages in certain regions with low demand.