Mortgage availability in Russia has decreased. According to experts of the National Bureau of Credit Histories (NBKI), the borrower's income in October should be 6 thousand. rubles higher than the applicant for the same loan amount in April 2018. On average, the total income of a family that got into a mortgage should now be 70.3 thousand. rubles per month. In this case, the monthly loan payments will not leave without a piece of bread..

“The calculated figure is based on the fact that the ratio of monthly payments to monthly incomes of one to three is relatively“ comfortable ”for the borrower,” explains Rossiyskaya Gazeta, an explanation of the NBCH. But in different regions and the cost of housing is different, and the size of the salary.

Therefore, mortgage affordability can be calculated more accurately.. In this case, it turns out that Muscovites should receive more than 135 thousand. rubles a month to wipe a new apartment. Slightly easier for a family from the Moscow region - they will need an income of 101.4 thousand. rubles to be able to pay the mortgage. Minimum for the population of the Yamalo-Nenets Autonomous District - 86.7 thousand.

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per family. The owner of a modest salary can afford a mortgage in the Chelyabinsk region - there is enough 46.6 thousand for life to live along with the payment of a mortgage loan. rub. , as well as the Kirov and Vologda regions - there is enough of only 45.5 thousand. rubles. In general, it turns out that buying an apartment in the mortgage becomes an unattainable dream for most Russians. According to Rosstat, the average salary in 2017. was 31475 rubles. per month.