In mortgages, the share of borrowers with how a growth oriented mindset can help you sell more a high debt burden (DDN 80+) is already 44%. This is more than in consumer lending, and, of course, indicates risks. The share of loans with a small down payment (up to 20%) exceeded half of all mortgages issued for the first time: in the fourth quarter of 2022, it amounted to 53% against 37% a year earlier. At the same time, in the primary mortgage market, the share of such loans reached 69%.
— The Bank of Russia has repeatedly
described the most risky, in its opinion, practices of the mortgage market. Are all of them still relevant at the moment? And which of them how does a sales copywriter measure do you consider the most widespread and closest to the probability of implementation?
— In the last year, many joint programs
have appeared in the arsenal of banks and developers: these include “preferential mortgages from developers,” “trench mortgages,” mortgages agb directory without a down payment, “mortgages with cashback,” and “letters of credit schemes.
