Experts have calculated is sufficient for mortgage salary

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Эксперты рассчитали достаточную для ипотеки зарплату

Average monthly loan payment in Russia is 27 thousand rubles

Analysts of the Bank “DeltaCredit” calculated required income for a mortgage loan in Russia. In their study, banking analysts came from the average cost per square meter in the regions, reports news Agency RNS.

For the calculation was chosen a loan with a rate of 12.5% for a period of 15 years. The downpayment on this loan is 30%.

Эксперты рассчитали достаточную для ипотеки зарплату
Photo: Lori

It was assumed that the family plans to buy on borrowed money apartment with an area of 56 sq. m. the Average monthly loan payment in Russia on the basis of the conditions mentioned is 27 thousand rubles a square meter costs on average 56 thousand roubles.

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Эксперты рассчитали достаточную для ипотеки зарплату
How to calculate the additional cost of new building?

The total budget of buying an apartment is the sum of its cost and additional expenses

The biggest revenue in order to be able to service such mortgage loan, not surprisingly, must have family in Moscow.

In order to afford an apartment in the mortgage, the couple must earn no less than 107 thousand roubles a month. The cost of one “square” of housing in the capital is 111 thousand rubles, and the monthly payment on the loan – 53 thousand rubles.

The monthly income of the family from St. Petersburg, wants to purchase a new home, should be 86 thousand rubles. The cost of meters housing in the city – 89 thousand rubles, and the monthly mortgage payments – 43 thousand rubles.

The easiest way to get a mortgage in Kalmykia. There family should receive a total of 27.9 thousand rubles a month to provide a loan. Bank of these money have to give 13.9 thousand rubles a month.

Recall that in Russia in recent time, there are regions where residents are offered an interest-free mortgage. In particular, the residents of the Kuril Islands will receive interest-free loans for the purchase and construction of new housing, and Ingush families will not be able to pay the mortgage interest, if you will participate in a special program of preferential housing crediting of the population.

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