Analysts of the Central Bank claim that for the 2020s, the purchase of housing has become inaccessible for most citizens due to rising prices. Most of the property buyers today are investors. Experts told when the revenues of Russians will grow to the level so that they can afford to purchase accommodation.
"I guess the achieved level with us is already forever. The adjustment of prices in my memory was only once - in 2009. And that was the result of stormy growth in 2006-2007 and the refusal of currency price tags. There is a certain amount: the proportion of housing costs in the household budget. It consists of: paying the LCD, rental costs or mortgage payments, costs for the current repairs. In Europe, as far as I know, they make up 25-30%, in the US - more. The point is not how much the family spends on housing. IMPORTANT - What is this housing. More importantly - how much remains for life. Own accommodation year from year is becoming less affordable. The price ceiling depends on the dynamics of real income. I suppose housing prices will grow, a bit of ahead of inflation. Because for the authorities, the apartment market, except for the social function, plays another important role - sterilizes the money mass ("sucks" the population from the population), "comments the market expert Dmitry Sinkin.
As another expert Denis Bobkov says, the Director General of the Analytical and Consulting Company "Real Estate-Profi", even though prices for apartments and grew, the availability of housing due to cheap mortgage still increased. However, providing loans to the population becomes more and more difficult.
"It is clear that without income growth (which is possible with the growth of the economy) will not be fundamental changes, and the number of buyers will be reduced at least until 2022, when the economy is expected. Improving the availability of purchase is now possible only through a further decline in the rate, but it is fraught with rising prices. The regulation of the price from the state of the state, the more leading to the skews on the market, as a result of which the developers can start it massively leave. Therefore, in this case, it is not necessary to work on prices, rates or income, but over the restoration of the economy. And the rest will apply, "says Denis Bobkov.
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