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The Russians repaid the record amount of the mortgage ahead of schedule
In the third quarter of 2020, Russian residents closed mortgage loans for more than 0,5 trillion rubles ahead of schedule. They helped to pay off accumulation debts, new loans and state support.
According to Statistics The central bank, borrowers began to actively close loans after the first wave of the coronavirus pandemic. In the third quarter of this year, the volume of early repaid loans amounted to 524,8 billion rubles. This is a record figure for the quarter since 2018. In total, in the mortgage portfolio, the volume of early closed loans reached 6,4%, which is one and a half times more than in recent years.
The main source of funds for Russians is their own savings. With their help, about 83,3% of loans were repaid. In addition, borrowers actively use government subsidies, another 3% of mortgage loans were closed with the help of refinancing.