VTB: Borrowers have started to buy ready-made private houses more often than to build.

      According to the results of the first half of the year, Russians received about 2,300 mortgage loans for ready-made private houses from VTB — five times more than for the construction of houses "from scratch." The share of ready-made properties in transactions with suburban real estate reached 83%, increasing by 10 percentage points year-on-year. Almost every second borrower (46%) purchased a house on the secondary market — a year ago, this figure was only 15%. This was reported by VTB's press service.

      The demand for mortgages in the suburban market steadily grew throughout the first half of the year. The peak occurred in March: the number of transactions increased by almost 40% compared to the previous month.

      Moscow and St. Petersburg, along with their regions, as well as Tatarstan, remain the leaders in client activity: these regions accounted for 25% of all VTB transactions in the suburban market from January to June.

      The structure of demand is actively changing. According to the results of the first half of the year, ready-made properties accounted for 83% of transactions in VTB's suburban real estate market. For comparison: in the first half of 2024, their share was 69%, and in the first half of 2025 — about 73%. The main growth came from the secondary market, where the share of transactions increased from 15% to 46% year-on-year. The average loan for a ready-made house from January to June amounted to 4.7 million rubles.

      "The mortgage market for suburban real estate is recovering 1.5 times faster than that for apartments — largely due to the reduction in rates, which has brought back long-waiting clients. Now they are active even outside the traditional season, and their demand is increasingly shifting towards programs without state support. In June, the number of applications for VTB's market mortgage in the segment of private houses doubled compared to January. At the same time, borrowers are increasingly choosing ready-made houses — with a clear price and the possibility of immediate occupancy," commented Alexey Okhorzin, Senior Vice President and Director of the Retail Business Products Department at VTB.

      More news on the event:

      VTB: Borrowers are increasingly buying ready-made private houses rather than building.

      According to the results of the first half of the year, Russians received about 2,300 mortgage loans for ready-made private houses from VTB.

      According to the results of the first half of the year, Russians received about 2,300 mortgage loans for ready-made private houses from VTB.

      According to the results of the first half of the year, Russians received about 2,300 mortgage loans for ready-made private houses from VTB.

      According to the results of the first half of the year, Russians received about 2,300 mortgage loans for ready-made private houses from VTB.

      News from neighboring regions on the topic:

      Ready house or construction: what do Russians prefer?

      According to the results of the first half of the year, VTB clients received about 2,300 mortgage loans for ready-made private houses, while for construction, it was five times less.

      Borrowers are increasingly buying ready-made private houses rather than building.

      According to the results of the first half of the year, Russians received about 2,300 mortgage loans for ready-made private houses from VTB.

      Russians are five times more likely to take out a mortgage for ready-made houses than for construction from scratch.

      VTB clients are more frequently taking out mortgages for ready-made suburban houses.

      According to the results of the first half of 2026, VTB clients issued about 2,300 mortgage loans for ready-made private houses.

      Borrowers are increasingly buying ready-made private houses rather than building.

      Demand has increased fivefold.

      According to the results of the first half of the year, Russians received about 2,300 mortgage loans for ready-made private houses from VTB.

      VTB: Borrowers are buying ready-made private houses five times more often than building.

      According to the results of the first half of the year, Russians received about 2,300 mortgage loans for ready-made private houses from VTB — five times more than for construction from scratch.

      Borrowers are increasingly buying ready-made private houses rather than building.

      According to the results of the first half of the year, Russians issued five times more borrowed funds for ready-made private houses than for the construction of real estate "from scratch."

      VTB: Borrowers are increasingly buying ready-made private houses rather than building.

      According to the results of the first half of the year, Russians received about 2,300 mortgage loans for ready-made private houses from VTB.

      Russians are increasingly buying ready-made houses instead of building "from scratch."

      The number of loans for ready-made houses has exceeded the number of mortgages for construction by five times.

      VTB: Borrowers are increasingly buying ready-made private houses rather than building.

      According to the results of the first half of the year, Russians received about 2,300 mortgage loans for ready-made private houses from VTB.