Preferential mortgages have increased in percentage // How an increase in the down payment will affect consumer behavior

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The government has tightened conditions for preferential mortgages. The down payment for government-supported programs has been increased from 15% to 20%. The corresponding resolution was signed on September 9. The new conditions apply to loans issued starting from this date. In addition, the maximum amount of subsidies received by banks lending to clients under these state programs was reduced by 0.5 percentage points. As the Ministry of Finance explained, this was done to correct the market. Otherwise, it turns out that when the key rate rises, payments from the budget also increase, while banks remain in the black – with an additional margin.

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