that it would be desirable for preferential mortgages to qatar telegram data be more target, like, say, family mortgages, which are aim at solving demographic problems. Now the preferential program is very broad, not only people who ne to improve their housing conditions can participate in it, but also real estate investors, including very wealthy ones, to whom subsidies should not apply. This has l, among other things, to an increase in the difference in the cost of primary and secondary housing. Before 2020, when the mass preferential program appear, the difference was at the level of 10%, and now it is 42%.
The Bank of Russia has already not that it makes
sense to maintain preferential programs in those regions where mortgage penetration is not high enough. In some regions, not enough housing is being built because the profitability of projects is lower – there, too, it probably makes sense to maintain support measures. These issues are being discuss.
— Has the Central Bank recently identifi new risky practices sms marketing campaigns for restaurants building loyal customers by developers? Or did they stop doing this after subsidiz mortgages with near-zero rates but higher housing costs were introduc by developers?
— No new mass practices have been identifi
The Central Bank’s requirements for disincentive reservation of such loans work. But, definitely, some practices still exist. This is confirm by the fact that the average mortgage rate for a DDU (equity participation agreement) in June was 6.1%, and in September — 5.8%, that is, even lower than for a family mortgage. This ao lists reflects that there are still joint programs of banks and developers, although they are no longer as widespread as a year ago. For example, in mid- 2022 , the average rate for a DDU was 3.5%.
