Half of all loans under the program of a preferential mortgage is issued to young people under the age of 34, "Dom.rf" reports. 5.3% of borrowers are not 24 years old. Experts argue that young citizens began to take into debt of the bank more often.
According to Dom.rf, the majority of young participants in the preferential mortgage are primary and secondary specialists in various sectors of the economy (75%) or managers (23%).
"Borrowers are gradually" younger ", and there are several reasons for this. First of all, the state implements mortgage programs that make a mortgage more accessible to young families. And banks soften the requirements for borrowers and the initial contribution. In addition, the demand for the mortgage is concentrated in the cities of million pictures, where the cost of renting housing is equivalent to a monthly payment on the mortgage. It is worth noting that often parents help children with an initial contribution, or become coaches. However, we do not expect the further development of this trend. The real estate market is growing faster than the indexation of wages - to accumulate money for the initial fee becomes even more difficult, "says Mikhail Chernov, co-founder and managing partner of the service for refinancing Mortgage Refin.Online.
Experts argue that the number of overdue payments among young people is minimal.
"Young people are currently more financially competent, better oriented in the information field, quickly makes decisions. Digitalization of business processes, including mortgage, contributes to the timely service of debt, in the bank's applications you can repay a mortgage without leaving the house. After all, many delay were short-term and arose due to "inorganizedness". Now everything is simple, and young people easily use all the tools, so the percentage of delay among young borrowers is extremely insignificant, "says Tatyana Hobotova, a territorial manager for working with the partners in the mortgage of the North-West branch of the Bank" Opening ".
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