Regions of the North Caucasus are among the outsiders in terms of mortgage availability
Dagestan ranks second to last, 84th among Russian regions in terms of the ability of a family of two working people to pay a mortgage loan. The average monthly salary of the republic's residents will not be enough to pay the loan - it will amount to 116%, i.e. they will need to add another 16%. In 83rd place is North Ossetia, where almost the entire salary will be spent on payment (99.8%). These are the results of the RIA Novosti study.
Kabardino-Balkaria was in 79th place in the rating with an indicator of 80.4%, Stavropol Krai - in 78th (77.7%), Ingushetia - in 75th (76.3%), Chechnya - in 63rd (68.4%).
The leaders of the rating of Russian regions in terms of mortgage availability were Chukotka, the NAO and the Yamalo-Nenets Autonomous Okrug. Residents of these regions spend the smallest percentage of their average salary on mortgage payments (28-32%).
To determine the ratio of mortgage payments to average salaries, RIA Novosti analysts took the interest rates of the largest banks in 2024, the size of the average loan, and the average income of a family of two working people.
