Rosbank in St. Petersburg and the Leningrad Region in 2023 demonstrated growth in all key areas of the retail business.
In particular, the mortgage portfolio amounted to more than 80 billion rubles, which is 29% higher than in 2022. The average loan amount decreased from 6 to 5 million rubles.
The share of state programs in mortgage loans in St. Petersburg peaked in December and amounted to 77.8%. In January 2024, it remained at about the same level – 76.4%. The volume of loans under the Family Mortgage program increased in 2023 at the bank by 62.3% by 2022. The increase in the “Preferential new building” amounted to 18.2%.
According to the bank, mortgages for residential housing have become more affordable due to the spread of state programs for the construction of residential buildings. Their share in the issuance of residential housing in St. Petersburg and the Leningrad region increased from 10% to more than 47% from July 2023 to January 2024. And compared to January 2024, in February, the bank noted a twofold increase in both the volume and number of residential housing transactions.
“Basically, people aged 30 to 40 used a loan to buy a home in 2023 – almost half of such borrowers (43%). The majority of clients are men (54%, + 1 percentage point compared to 2022), the proportion of women was about 46%. According to our assessment, the number of young borrowers up to 30 years old increased last year – this is due to the development of IT mortgages and digital services that allow for more and more real estate transactions online,” said Irina Ilyasova, head of the Rosbank Dom department in the Northwestern Federal District.
Источник: www.bn.ru
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