Experts predict a 25% decline in the residential housing mortgage market in 2025

08:41; 22 January 2025 year

The mortgage market for individual housing construction may fall by 25% in 2025. Such an expert forecast conveys https://www.kommersant.ru/doc/7445110">"Kommersant".

Market participants note that in 2024, the residential housing mortgage market did not suffer as much as the market for new buildings. Mortgage issuance volumes here even increased slightly year-on-year (+2%, to 530 billion rubles), but not as much as in 2023. At that time, there was a fourfold increase in the private construction segment.

Experts say that the mortgage boom in the residential housing segment has come to an end. 2024 was the final year in the five-year record period in the market. Already in the second half of last year, against the background of the tightening of PREP and high rates, the Central Bank recorded a significant decrease in loans for residential housing. The decline will continue in 2025, with a reduction expected at 20-30%.

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