The expert gave advice on how to reduce the risks of mortgage failure.
The failure rate on mortgage loans by the end of 2025 and the beginning of 2026 exceeded 69%, so borrowers should evaluate in advance the requirements of banks and their own chances of approval. This was announced on February 22 by Denis Bobkov, head of analytics and pricing at developer Dar. "Газете.Ru ".
"Banks are guided by the PD indicator (the ratio of payments to income); a level of up to 30-35% is considered safe, and a value above 50-60% entails either a refusal or an offer of a loan at a higher rate, and if the PD exceeds 80%, the bank can automatically reject the application," he said.
According to the expert, now credit institutions do not assess the absolute amount of salary, but the client's solvency: the monthly income should at least double the mandatory payments and be officially confirmed.
It is noted that employment stability plays a significant role — at least six months of experience for employees and at least a year for entrepreneurs.
Among the common reasons for the refusal, Bobkov cited delays and a bad credit history, a high debt burden, informal employment, errors in documents, as well as ongoing litigation and arrears in taxes and fines. In addition, banks assess the liquidity of real estate and the amount of the initial payment, which in practice often exceeds the minimum 10-20% and can reach 30-50% to reduce risks.
The creation of a single special economic zone throughout the Siberian Federal District, by analogy with the Kaliningrad Region, was proposed at the All-Russian scientific and practical conference "Siberian Express — 2026", which was held from February 19 to 20 in Krasnoyarsk. The initiative of the unified SEZ was initiated by Elena Bezdenezhnykh, Vice President of Rusal.
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