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Bank "Otkritie": 30% of Russians agree to a digital mortgage
Every third Russian is ready to take a digital mortgage, and more than half of the country's residents believe that a housing loan should be issued both at bank branches and online. This was shown by a survey of Otkritie Bank and Rosgosstrakh.
The survey took 1000 Russians aged 18-65 from different social groups in cities with a population of more than 100 thousand people. At the same time, one fifth of the respondents said that they already have a valid mortgage. 11% have already repaid the loan, 23% said they do not have a mortgage, but they are ready to take it, and another 45% did not take and do not intend to issue a loan for the purchase of housing.
33% of survey participants answered in the affirmative to the proposal to obtain a home loan online without visiting a bank. 5% said that they already have experience of remotely obtaining a loan to buy an apartment.
One of the main advantages of digital mortgages, 34% of respondents considered the absence of the need to visit a credit institution once again. Another quarter of respondents named the convenience and simplicity of the process as an advantage of this method of obtaining a home loan. At the same time, half of the respondents do not believe that digital mortgages are better than conventional ones.
The disadvantages of online mortgage registration 24% of respondents called insufficient security, and every fifth respondent does not trust online loans in principle.