In Russia, calls were made to ban microcredit mortgage organizations.

In Russia, calls were made to ban microcredit mortgage organizations.

      26 November 2025 15:04 Society. State Duma deputy Sergey Mironov proposed an initiative to replace microcredit mortgage organizations with a system of construction savings banks. In his view, this will allow Russians to address housing problems more effectively.

      Mironov, in a conversation with 360.ru, noted that construction savings banks offer a more transparent and controllable mechanism for accumulating funds to buy housing. Citizens enter into a savings agreement and contribute money to a common fund at low interest rates. After accumulating the required amount they can take out a targeted housing loan at a fixed low rate, for example, up to 3% per annum.

      Mironov also emphasized that microcredit mortgage organizations pose a risk both to borrowers and to regions. He expressed concern that a rise in delinquent mortgage debt could lead to the inefficient use of budget funds intended to subsidize such programs. This, in turn, would increase the financial burden on regional budgets.

      Recall that Nizhny Novgorod residents spend more than 56% of their salary on mortgage payments. The size of a typical payment is about 75,000 rubles, and the average loan amount reaches 4 million rubles. Moreover, only 13.6% of Nizhny Novgorod families can take out a mortgage.

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In Russia, calls were made to ban microcredit mortgage organizations.

Nizhny Novgorod News