The program of subsidizing mortgage rates to 6.5% was put at a disadvantage the inhabitants of the Russian regions: in order to participate in it, the residents of Sochi will have to save for a down payment of more than RUB 2 million, while saratovtsy enough 300 thousand. However, preferential credits can attract investors to the market: 75% of large Russian cities the rent payments will allow quenching of the obtained 20-year mortgage.In the framework of preferential mortgage to buy 63% of flats sold in new buildings in cities with a population of 500 thousand inhabitants. Such data in their study lead to the CYANOGEN. Analysts point out that given the minimum initial contribution of 20% in the Metropolitan areas of Moscow and St. Petersburg can be considered flat in the budget to 10 million rubles., and in the regions — up to 3.75 million RUB Average area covered under the program of the apartment is 49 sq. m. In Moscow, according to the calculations of the “ABC of housing”, within the old borders of the city in new buildings in total for sale of 40.8 thousand lots, of which 33% cheaper than RUB 10 million Subsidizing mortgage rates to 6.5 percent — one of the measures to support developers, which Vladimir Putin announced April 16. The programme will run until November this year. The loan amount for Moscow, St. Petersburg and surrounding areas should not exceed 8 million rubles., other regions — 3 million rubles. According to the calculations of the CYAN, the terms of the preferential mortgage program put urban residents at a disadvantage. For example, in Sochi, where the average cost of a one-room apartment in the city is 5.2 mln, to receive subsidised rates will have to make an initial Deposit in the amount of not less than 42.7% of its value, paying of 2.24 million RUB Not be able to buy one-room apartment with a minimum down payment and in Vladivostok, where when its average value of 4 million rubles will be required to submit to 25.2% of the price (1 million rubles). The residents of Saratov will be able to count on a preferential mortgage with a down payment of only 290 thousand RUB: the average cost of “odnushki” in the city is 1.45 million RUB. Less than 400 thousand. also enough to obtain a mortgage in Makhachkala, Kirov, Ulyanovsk, Chelyabinsk, Lipetsk, Barnaul, Samara and Ryazan.In CYANOGEN indicate that 75% of major cities buying a home with the assistance of loan at a special rate may be of interest to investors: the average size of the rental payment will exceed the average payment on a mortgage provided that the loan is taken for 20 years. The best such purchase at the moment will be in Sochi, where the potential investor after payment of the average loan at 22.4 thousand rubles. per month will receive rental income of 6.3 thousand rubles a month. On the second and third areas of Krasnodar and Rostov-on-don, where the difference between the payment amount and lease rate is 5.9 thousand and 5.1 thousand rubles in favor of the owner. Head of the analytical center CYANOGEN Alexey Popov added that such an investment would only work if long-term mortgage: if the credit will be received for ten years, payments for rent will not cover the payments on it in any of the major cities.Although the Director of the company “Floors” Ildar Khusainov indicates that while the growth of activity among investors, attracting credit funds did not happen: the number of transactions with them during the quarantine restrictions have been cut in half. Thus, according to him, retained the activity of buyers that invest in real estate equity. Head of Department of consulting and Analytics “ABC of housing” Yaroslav Darusenkov recalls that when calculating the benefits of the transaction to potential investors it is necessary to add the cost of repairs, which in Moscow are on average 700-900 thousand rubles for a Studio apartment. However, according to him, now consumers are closer than ever unable to pay the loan through rental income, but the initial payment must be at least 30%.Alexander Mursalovitch: data of the analytical center of CYANOGEN.
