For many families, a mortgage is the only way to purchase their own home. However, the availability of mortgages for Russians varies greatly depending on the region of residence. Experts from RIA-Analytica have assessed the credit rating for an average family in various constituent entities of the Russian Federation.
The result was rating of Russian regions in terms of mortgage availability in 2013... Moscow and Krasnodar Territory are among the obvious outsiders. The average family in these regions can afford to buy on credit for a period of 20 years only 27 and 28 square meters, respectively. We publish the Top 15 regions of Russia with the most affordable mortgage.
15. Tomsk region
The average income of a family with two adults is 43,000 rubles. Taking into account the average cost per square meter, a family can purchase an apartment of 58 square meters. meters in the best mortgage bank.
14. Jewish Autonomous Region
An average family with an income of 40 thousand rubles can purchase an apartment with an area of 59 square meters on a mortgage for 20 years. meters.
13. Republic of Sakha
The average income of a family with two workers is 58 thousand rubles, and the area of affordable housing is 59.4 square meters. meters.
12. Amur region
The average family income in the region is 44 thousand rubles, and the area of affordable housing on credit is 60.4 sq. meters.
11. Astrakhan region
The average family in the region can purchase 60.5 sq. meters of housing with a relatively low average income of 31 thousand rubles.
10. Krasnoyarsk Territory
The average family earns about 52 thousand rubles a month and with this income can purchase an apartment with an area of 60.7 sq. meters.
9. Chelyabinsk region
The average family in the region earns 40.5 thousand rubles a month, and the area of the available apartment is 60.8 sq. meters.
8. Komi Republic
With an average income of 57.6 thousand rubles, a family in the region can afford an apartment with an area of almost 66 "squares".
7. Nenets Autonomous District
The region ranks second in the ranking in terms of average household income with an indicator of 100.9 thousand rubles. This income allows you to purchase an apartment with an area of 74.8 sq. meters.
6. Tyumen region
The average family income in the region is 85.9 thousand rubles, and the area of affordable housing is 84.7 square meters.
5. Kamchatka Territory
The average family income in the region is about 79 thousand rubles, and the area of affordable housing in the mortgage is 89.4 square meters. meters.
4. Khanty-Mansiysk Autonomous Okrug - UGRA
KhMAO ranks third in the ranking in terms of family income - 92.8 thousand rubles. With this income, the area of affordable housing is 90.9 sq. meters.
3. Murmansk region
In the region that closes the top three in the mortgage affordability rating in 2013, the average family income is 65.1 thousand rubles. And the relatively low cost of housing, as in the rest of the northern regions of the country, makes it possible to purchase an apartment with an area of almost 94 "squares" on a mortgage.
2. Yamalo-Nenets Autonomous District
A family with two workers in the Yamalo-Nenets Autonomous Okrug can purchase 122.5 square meters on a mortgage with an average income of 118 thousand rubles. In terms of family income, the region leads the ranking.
1. Magadan region
In this region the most affordable mortgage - a family with an average income of 88.5 thousand rubles can buy housing on credit with an area of up to 123 sq. meters.