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Experts have calculated savings on a mortgage with Putin's support measures
The DOM.RF Analytical Center calculated how much a family with children can save on a mortgage thanks to Putin’s support measures. As a result, the amount exceeded two million rubles - more than 40% of the total costs for acquiring an apartment in a mortgage on market conditions.
Experts said that they took the average market indicators for calculations: apartment area - 54 square meters. meters, and the cost of one square. meters - 57 thousand rubles, according to the Foundation for the Protection of the Rights of Citizens-Participants in Shared Construction. The cost of the “square” did not include data from Moscow and St. Petersburg, however, in the Far East, such prices have not been for several years. As a result, the cost of the apartment at the analytical center amounted to 3,08 million rubles, and the down payment (on average 20%) - 615,6 thousand rubles.
The first measure of support is maternal capital, taking into account innovations, a family with two children born after January 1, 2020 will receive 616 thousand rubles. Another measure of support is subsidizing mortgages for families with two or more children born from 2018 to 2022. The rate on it is set at up to 6% per annum. TO THE HOUSE. The Russian Federation believes that the monthly loan payment with a standard term of 15 years and a market rate of 9% will be at the level of 25 thousand rubles, and within the framework of the “family mortgage” program, the payment will decrease by 5,5 thousand to 19,5 thousand rubles. In total, during the loan repayment period, an average family will save 991 thousand rubles in interest payments.
The experts also included in the support measures a tax deduction for the acquisition of real estate - 13% of the cost of purchased housing, but not more than two million rubles per person. According to analysts, this amount is 400 thousand rubles. They also claim that in addition there is the opportunity to take advantage of another deduction, which applies to the amount of interest paid on a mortgage of up to three million rubles.
As a result, the total amount of assistance from various state mechanisms is up to 2,1 million rubles. And if a third child is born in the family, the amount of support will exceed 2,6 million rubles. According to the estimates of DOM.RF experts, this will be possible due to additional reimbursement of 450 thousand rubles to pay off mortgage debt.