For many families, a mortgage loan is the only way to purchase their own housing. However, the availability of mortgages for Russians varies greatly depending on the region of residence. RIA Analytics experts evaluated the “uplift” of the loan for the average family in various regions of the Russian Federation.
The result is ranking of Russian regions by the availability of mortgages in 2013. Among the obvious outsiders were Moscow and the Krasnodar Territory. The average family in these regions can afford to buy on credit for a period of 20 years only 27 and 28 square meters, respectively. We publish the Top 15 regions of Russia with the most affordable mortgage.
15. Tomsk region
The average income of a family where two adults work is 43 thousand rubles. Given the average cost per square meter, a family can buy an apartment of 58 square meters. meters in the best mortgage bank.
14. Jewish Autonomous Region
An average family with an income of 40 thousand rubles can buy an apartment with an area of 59 square meters in a mortgage for 20 years. meters.
13. Republic of Sakha
The average income of a family with two workers is 58 thousand rubles, and the area of affordable housing is 59.4 square meters. meter.
12. Amur Region
The average family income in the region is 44 thousand rubles, and the area of affordable housing on credit is 60.4 square meters. meter.
11. Astrakhan region
The average family in the region can purchase a mortgage of 60.5 square meters. meters of housing with a relatively low average income of 31 thousand rubles.
10. Krasnoyarsk Territory
The average family earns about 52 thousand rubles a month and with this income can buy a mortgage apartment with an area of 60.7 square meters. meter.
9. Chelyabinsk region
The average family in the region earns 40.5 thousand rubles a month, and the area of an affordable apartment is 60.8 square meters. meters.
8. The Republic of Komi
With an average income of 57.6 thousand rubles, a family in the region can afford an apartment with an area of almost 66 "squares".
7. Nenets Autonomous Okrug
The region ranks second in the ranking in terms of average household income with an indicator of 100.9 thousand rubles. This income allows you to purchase a mortgage apartment with an area of 74.8 square meters. meters.
6. Tyumen region
The average household income in the region is 85.9 thousand rubles, and the area of affordable housing is 84.7 square meters.
5. Kamchatka Territory
The average family income in the region is about 79 thousand rubles, and the area of affordable housing in the mortgage is 89.4 square meters. meter.
4. Khanty-Mansiysk Autonomous Okrug - UGRA
Khanty-Mansi Autonomous Okrug ranks third in the ranking in terms of family income - 92.8 thousand rubles. With this income, affordable housing is 90.9 square meters. meters.
3. Murmansk region
In the region that closes the top three leaders in the mortgage affordability rating in 2013, the average family income is 65.1 thousand rubles. And the relatively low cost of housing, as in the other northern regions of the country, allows you to purchase an apartment with an area of almost 94 "squares" in a mortgage.
2. Yamal-Nenets Autonomous Okrug
A family with two people working in the Yamal-Nenets Autonomous Okrug can get 122.5 square meters on a mortgage with an average income of 118 thousand rubles. In terms of family income, the region leads in the ranking.
1. Magadan region
In this region the most affordable mortgage - a family with an average income of 88.5 thousand rubles can purchase a loan housing up to 123 square meters. meters.
