The mortgage rate is intended to be tied to the income levels in the regions.

The mortgage rate is intended to be tied to the income levels in the regions.

      August 5, 2025 10:57

      [169]

      Society

      In Russia, a reform of mortgage lending is being discussed, which involves introducing differentiated interest rates depending on the region. This was reported by the TV channel "360" citing the Chairman of the State Duma, Vyacheslav Volodin.

      Volodin emphasized that the current mortgage system does not reflect regional differences in income levels. For example, mortgage rates in Moscow and Saratov are the same, although the average salary in the capital is significantly higher—2.5 times.

      "The President supported us. The government is now discussing this issue. I believe that soon we will implement a differentiated interest rate system for mortgages," Volodin said.

      At the suggestion of the State Duma speaker, Moscow should have a single rate, while in other regions, rates should be linked to the level of the average salary. In his opinion, this will achieve social justice and make mortgage lending more accessible for residents of different regions.

      As previously reported, the Nizhny Novgorod region ranked 15th in the rating of Russian regions by income level. NIA "Nizhny Novgorod" has a Telegram channel. Subscribe to stay updated on major events, exclusive materials, and timely information.

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The mortgage rate is intended to be tied to the income levels in the regions.