For a long time, our compatriots dream of betting on mortgages such as in the West. Still, the opportunity to get a loan of 1.5-3.5 % currently in Russia is the most unattainable science fiction.
In order to obtain the level of interest rate, which will be at the level of 2%, subject to the standard margin of banks on mortgage products, approximately 2%, it requires that the inflation rate is not higher than 0%, in accordance with this, the refinancing rate should be 0.25 -0.35%. In the Russian Federation, the refinancing rate was set at 8.25%. Specifically for this reason, at present, counting on the annual rate of the bank below this percentage should not. Unfortunately, the most attractive mortgage program that took place for some time and provided for a loan of 8% in rubles for 8 years. However, in this case, not everything was so smooth as it seemed at first glance. To be able to be under the direct action of this program, the borrower needed to have sufficient savings to form an initial contribution, the size of which would be at least 50%. In addition, not every borrower has arranged a loan term for 8 years. It is only worth imagining that all banks will give an announcement about the possibility of obtaining a loan in rubles under 2% per annum, while all other conditions will be preserved, then a huge queue will begin to build to them from all who want to receive a loan. At the same time, everyone will desire to purchase as whiter as possible a spacious apartment in the most prestigious area.