The suspension of family mortgage programs by large banks such as VTB and Sberbank has caused concern among potential borrowers. In this article, we will examine the reasons for such changes, their impact on housing affordability, and what prospects await the mortgage market in the context of high interest rates. Find out how to prepare for possible changes and intelligently adapt your financial plans. Changes in Mortgage Programs: What Does the Suspension of Family ...

... mortgage loans demonstrates a sustained interest among Russians in country real estate, particularly in light of the favorable conditions of preferential programs. At the same time, rising prices and inflation necessitate a comprehensive approach to ensure housing affordability. Balanced market development will be a key factor in supporting the economy and meeting citizens' demand. Moscow New Housing Sales Fall by 20% According to the CIAN portal, sales of new homes in Moscow decreased by 20% in 2024 compared to ...

... conditions and declining quality of life. Pros and Cons of Inflationship Pros: Increased Financial Stability Ability to Share Housing, Food, and Transport Costs Access to Joint Financial Instruments (Loans, Mortgages, Insurance) Savings on Subscriptions,... ... Between Partners Feeling of Being "Stuck" in the Relationship Risk of Dependent Relationships, Where One Partner Cannot Afford to Separate Frequent Conflicts Arising from Financial Issues What to Do If Your Relationship Has Turned into an Inflationship?...

... of price pressures, government bonds appear to be a reliable component of a portfolio. Real Estate and Other Assets Real estate is traditionally one of the primary investment avenues during times of rising household prosperity. Higher wages improve housing affordability: more families can save up for a mortgage down payment or expand their budget for buying property. In the short term, high interest rates make mortgages costly, but the expectation of future rate cuts, combined with income growth, sets the ...

... include: Generating income almost year-round without sacrificing personal time. This can be considered a passive source of revenue. Affordable property prices. Serviced apartments tend to be cheaper than traditional apartments, with savings potentially reaching ... ... investors gain full property rights, they can secure loans to purchase apartments. Upon purchasing an apartment, demand for housing can almost be constant throughout the year, depending on the country and proximity to tourist attractions. Taxation In ...