OREANDA-NEWS Among Russians who have taken out mortgage loans, the proportion of citizens aged 40 to 60 years has increased. This was reported by the National Bureau of Credit Histories (NBKI).

If we compare the first and second quarters of 2024, the share of citizens aged 40 to 50 years increased by 1.2 percentage points and amounted to almost 26 percent. As for Russians aged 50 to 60, their share increased by one percentage point and reached 10 percent.

As for the youngest and oldest citizens of Russia, their shares in the mortgage issuance structure have decreased. For Russians under the age of 30, the decrease was 1.2 percentage points — up to 20 percent. For people aged 30 to 40, it increased by 0.7 percentage points, to 41.8 percent. Russians over the age of 60 decreased their share by 0.3 percentage points to 2.2 percent.

According to Alexey Volkov, NBKI's marketing director, the observed "maturation" of mortgage borrowers was the result of banks reducing their appetite for risk. Meanwhile, young people are considered less reliable debtors with unstable incomes.

After the restart of the "Family Mortgage", Russian residents lost interest in the program. In July, the number of applications decreased by 22 percent compared to the first month of summer.

Experts explained what happened by the fact that many of those who wanted to get a "Family mortgage" had issued this loan even before the new rules were established, since it was unknown whether this program would be extended.