Trends in the cost of mortgage in 2014

The main goal of many residents of the capital of Russia, yesand any other city, is the acquisition of their own housing. For those who can not immediately lay out a round sum and buy an apartment right now, banks have come up with a convenient solution - mortgage loans. Housing customer can get now, and its value will be paid to the bank for a long period, which usually reaches 15-20 years.

How much the apartments will rise in 2014

What is happening in the real estate market in 2014year? What are the main trends of its development? Experts argue that the real estate market in Moscow this year will be the main line of stabilization. If the cost of housing can rise in price in just a few areas of the capital, the price of the mortgage may rise in any case.

In 2013 housing in Moscow rose in price only inlimits of inflation, and the residents bought apartments most often in the countryside, making out a mortgage on them, so we can assume that last year for the capital and the region passed without much shock.

According to Rosstat, the level of inflation observedannually, can exceed 7 percent. That is why a significant increase in prices for apartments can only be said if the cost per square meter per year exceeds 10 percent. In 2013, inflation held in the region of 7 percent, so the housing rose in price only within these limits, that is, not more than the level of inflation.

Trends in the growth of the cost of a mortgage

Most of the capital's new buildings, namely 70%,located in New Moscow, that is, to buy an apartment from a builder in the old city will be almost unreal. Quite inexpensive housing can be purchased in the residential areas of Moscow, for example, in Tsaritsyno or Novokosino.

The rise in price of mortgages directlyis due to the fact that they are really in demand. Since the average cost of housing in the city can reach 168 thousand rubles, more and more often apartments are bought on credit. If in 2013 the number of issued mortgage loans increased by 23% compared to 2012, then in 2014, you can expect an increase in the number of another 25%. The cost of loans will also increase.

The greatest demand among Muscovites isone-bedroom apartments, the number of purchases in a percentage of consultants estimate in 47% of the 100. The rest of the shares are divided almost evenly between two and three-bedroom apartments.