The republics of the North Caucasian Federal District are recognized as the worst in terms of mortgage availability
In Dagestan, only 8.6% of families can afford to buy a two-room apartment on the secondary market with a mortgage. This is the last, 83rd place in the country for this indicator, reports RIA Rating.
In penultimate place is Karachay-Cherkessia (8.7%). Kabardino-Balkaria (10%) ranks 80th, North Ossetia (14.4%) – 76th, Stavropol Territory (17.4%) – 74th.
DPR, LPR, Zaporozhye, Lugansk regions, Chechnya and Ingushetia are not included in the ranking due to lack of or insufficient data. The leaders of the rating were Yamal (65%), Magadan region (63.2%) and Chukotka Autonomous Okrug (58%).
The study was prepared based on data from the Central Bank and Rosstat. The rating uses the share of families in the region that can make a monthly mortgage payment and meet everyday expenses as an indicator of mortgage affordability.
The loan amount is calculated for a two-room apartment with an area of 60 square meters. m with a down payment of 30%. Family income from work took into account the payment of personal income tax. It was assumed that 70% of the family budget, remaining after deducting the cost of living for each family member, goes to paying off the mortgage, 30% - to other optional expenses.
