The fair mortgage rate in 2025 is 19-26%, taking into account the Central Bank's forecast for the key rate.
This was reported by Igor Balynin, a candidate of economic sciences and associate professor of the Department of Public Finance at the Financial University under the Government of the Russian Federation.
He emphasized that fairness comes from the key rate plus 2-3 percentage points, emphasizes the publication Gazeta.ru .
Taking into account the Central Bank’s forecast for the key rate for 2025, the fair mortgage rate will reach 19-23%.
Balynin noted that with a down payment of less than 20%, the fair rate should be 20-26%, for salary clients – 18-21.5%.
The expert also said that banks do not really need to include an additional risk fee in the high mortgage rate, since the apartment serves as collateral.
Author: Elena Gutyro
