I'm refinancing this terrible loan and the bank person grimaced when they saw this.
this post was submitted on 03 Apr 2025
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Jesus... Are the prices low due to the interest rate? Or is all property owned by people who can buy cash?
Prices are crazy, too. The key interest is at 20% and inflation is way over that as everyone expects rouble to crash as govt is printing bajillions to hand out to dead soldiers families.
The latter. Even without mortgage, here in my city it would take 150 months of an average salary to buy a fairly modest apartment, and we're speaking average, which is very far from median. With mortgage...you simply wouldn't be able to cover the interest payments, so it's out of the question.
Also, government tries to step in to compensate a bit for the families with children. But overall, the insane interest rate reflects in everything. I currently pay out a loan at 35% APR.