They only buy studios or studio apartments with a family mortgage.

Most of the apartments that a family mortgage can buy in Russian cities with millions of residents are studios or studio apartments. Moreover, in five megacities, the share of small-sized housing on the market in the loan limit, including the initial payment, exceeds 90%. This is stated in a study by the analytical center "Movement.<url>", which was reviewed by Izvestia.

The analysts studied the primary real estate markets in all of Russia's million-plus cities (additionally, Tyumen was taken into account as a city with large volumes of housing construction) and found out what proportion of housing is covered by the limits of the family mortgage program, taking into account the initial payment.

We remind you that families with children under the age of six, as well as families raising a minor child with a disability, can take out a "family mortgage" with a loan rate of up to 6% per annum. The state program is valid until 2030. The maximum loan amount in Moscow, the Moscow region, St. Petersburg and the Leningrad region is 12 million rubles, in other regions - 6 million rubles. The initial payment is 20% of the cost of the purchased apartment.

If we consider the entire supply of housing in the cities under consideration, then on average in the megalopolis markets, the share of apartments whose cost does not exceed the calculated limit (the maximum loan amount plus the initial payment amount) is 44%. In the context of individual cities, the difference reaches more significant values.

The maximum share of the primary market supply in the family mortgage limit (more than half of the exposure) is noted in Volgograd, St. Petersburg, Voronezh, Rostov-on-Don and Ufa. It is most difficult to meet the family mortgage limit in Nizhny Novgorod, Moscow and Kazan.

Since the beginning of the year, the share of apartments priced within the family mortgage limit has decreased in most of the cities studied, while it has increased only in five megacities.: Volgograd, St. Petersburg, Ufa, Nizhny Novgorod and Kazan.

It is difficult, or even impossible, to buy a family-sized apartment in most megacities with the help of a family mortgage without accumulating additional funds. The vast majority of apartments within the limits of the amounts set by the state program are studios and studio apartments.

In five megacities, the share of studios in the housing supply in the family mortgage limit exceeds 90%, and in Kazan it reaches 100%. The easiest way to buy apartments with more rooms is to meet the preferential loan limit for residents of Novosibirsk, Perm and Krasnoyarsk.

The share of studios in the housing supply within the family mortgage limit decreased only in three million-plus cities: Omsk, Krasnodar and Volgograd. In the other cities considered, on the contrary, it has grown.

Demand test: sales of new buildings in some regions have halved

Developers hope for a reduction in the key interest rate and targeted expansion of preferential mortgage programs.

Earlier, on September 5, it was reported that, according to a Level Group study, a third of Russians prefer to invest in commercial real estate. According to the survey, 27% would prefer to buy an apartment for investment, and about a quarter of respondents do not see much difference — both options seem attractive to them. The others couldn't decide which was more suitable for them.

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