those in which the cost of housing is inflat the president’s club vulnerability paradigm (money monday) or there is no down payment. These are “preferential mortgages from the developer,” mortgages without a down payment, and “mortgages with cashback.” If a borrower with such a mortgage decides to change an apartment, he may face losses when selling housing, the cost of which was initially inflat. The same risks threaten the plgee bank in the event of a default on a mortgage loan. The size of the down payment is the most important factor in a mortgage; it characterizes well the borrower’s ability to accumulate funds and service the loan in the future.
From December 1, 2022, we set prohibitive
macroprudential capital requirements for mortgages with a down payment installment plan. Such practices are no longer advertis by developers. “Cashback mortgages” could also be us by borrowers who do not have their own funds for a down payment – for this, they only ne to take out a consumer loan and then repay it with cashback. We expect that cashback mortgages will cease to exist in the near future. Mortgage banks are primarily interest in this, since this product carries risks for them.
As for the most common program
the preferential mortgage from the developer, the deviation of the mortgage rate from the market level has slightly decreas. The average rate increas from 3.5% in December to 4.8% in January, but most of this growth is due to the changes that what is seo? came into force in the state program of preferential mortgages, where the rate increas from 7 to 8%. We expect that the “mortgage from the developer” will become much less common after agb directory the increase in reserves for loans issu at rates significantly different from the market.
