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RU

Housing loans granted to individuals, 2017–2022

· dynamics annual · rows: 12 · periods: 6 · section: Social status and standard of living of the population (России. 2023)

From 2017 to 2022, banks provided various amounts to individuals for housing, with these indicators recorded in billions of rubles. The table rows separate the total volume of housing loans from mortgage volumes to allow for comparison between these two categories. The weighted average interest rate on housing loans is also provided, allowing for an assessment of credit costs for the population across different years

0 2.50 5.00 7.50 10.0 12.5 2017 2018 2019 2020 2021 2022
how it will look
Volume of granted loans, bill…Volume of granted loans, billion rubles — housing loans — in rubles Volume of granted loans, bill…Volume of granted loans, billion rubles — housing loans — in foreign currency Volume of granted loans, bill…Volume of granted loans, billion rubles — housing loans — in foreign currency Volume of granted loans, bill…Volume of granted loans, billion rubles — of which mortgage housing loans — in rubles Volume of granted loans, bill…Volume of granted loans, billion rubles — of which mortgage housing loans — in foreign currency Volume of granted loans, bill…Volume of granted loans, billion rubles — of which mortgage housing loans — in foreign currency Weighted average rate2), perc…Weighted average rate2), percent — housing loans — in rubles Weighted average rate2), perc…Weighted average rate2), percent — housing loans — in foreign currency Weighted average rate2), perc…Weighted average rate2), percent — housing loans — in foreign currency Weighted average rate2), perc…Weighted average rate2), percent — of which mortgage housing loans — in rubles Weighted average rate2), perc…Weighted average rate2), percent — of which mortgage housing loans — in foreign currency Weighted average rate2), perc…Weighted average rate2), percent — of which mortgage housing loans — in foreign currency 2017 2022

Who grew, who fell: 2017 → 2022

unchanged Volume of granted loans, billion rubles — of which mortgage housing loans — in rubles · 2022: 4,813 · 2017: 2,021 · +2,792 Volume of granted… loans — in rublesVolume of granted loans, billion rubles — of which mortgage housing loans — in rubles +2,792 Volume of granted loans, billion rubles — housing loans — in rubles · 2022: 4,817 · 2017: 2,028 · +2,789 Volume of granted… loans — in rublesVolume of granted loans, billion rubles — housing loans — in rubles +2,789 Volume of granted loans, billion rubles — of which mortgage housing loans — in foreign currency · 2022: 0.10 · 2017: 0.50 · −0.40 Volume of granted… — in foreign currencyVolume of granted loans, billion rubles — of which mortgage housing loans — in foreign currency −0.40 Volume of granted loans, billion rubles — housing loans — in foreign currency · 2022: 0.10 · 2017: 0.80 · −0.70 Volume of granted… — in foreign currencyVolume of granted loans, billion rubles — housing loans — in foreign currency −0.70 Weighted average rate2), percent — housing loans — in rubles · 2022: 9.56 · 2017: 10.6 · −1.08 Weighted average… loans — in rublesWeighted average rate2), percent — housing loans — in rubles −1.08 Weighted average rate2), percent — of which mortgage housing loans — in rubles · 2022: 9.56 · 2017: 10.6 · −1.08 Weighted average… loans — in rublesWeighted average rate2), percent — of which mortgage housing loans — in rubles −1.08

Set in numbers

Coverage: 12 series, 2017 through 2022, 6 reporting periods. 32 values in total.

“Volume of granted loans, billion rubles — housing loans — in rubles” multiplied by 2.4 between 2017 and 2022: from 2,028 to 4,817. The highest value in the series is 5,700 in 2021.

All table numbers are series: 12
Series 201720182019202020212022
Объем предоставленных кредитов, млрд руб. — жилищные кредиты — в рублях 2 027,60 3 018,20 2 947,90 4 450,00 5 700,40 4 816,90
Объем предоставленных кредитов, млрд руб. — жилищные кредиты — в ино-страннойвалюте 0,80 — 0,90 0,70 4,50 0,10
Объем предоставленных кредитов, млрд руб. — жилищные кредиты — в иностранной валюте — 1,40 — — — —
Объем предоставленных кредитов, млрд руб. — из них ипотечные жилищные кредиты — в рублях 2 021,40 3 012,70 2 934,20 4 444,30 5 695,10 4 813,30
Объем предоставленных кредитов, млрд руб. — из них ипотечные жилищные кредиты — в ино-страннойвалюте 0,50 — 0,70 0,40 4,40 0,10
Объем предоставленных кредитов, млрд руб. — из них ипотечные жилищные кредиты — в иностранной валюте — 0,40 — — — —
Средневзвешенная ставка2), процентов — жилищные кредиты — в рублях 10,64 9,56 — — — —
Средневзвешенная ставка2), процентов — жилищные кредиты — в ино-страннойвалюте 7,06 — — — — —
Средневзвешенная ставка2), процентов — жилищные кредиты — в иностранной валюте — 5,59 — — — —
Средневзвешенная ставка2), процентов — из них ипотечные жилищные кредиты — в рублях 10,64 9,56 — — — —
Средневзвешенная ставка2), процентов — из них ипотечные жилищные кредиты — в ино-страннойвалюте 7,47 — — — — —
Средневзвешенная ставка2), процентов — из них ипотечные жилищные кредиты — в иностранной валюте — 9,33 — — — —

How to read this table

The differences between rows allow for tracking the lending structure: the total volume of funds issued is distinguished from the share of mortgage loans within that volume. Comparing these series helps determine what percentage of all housing loans consists of mortgage programs. The third row, containing the interest rate, enables the correlation of lending volumes with the interest rates at which individuals borrowed money for housing purchases

What is visible in these numbers

“Volume of granted loans, billion rubles — housing loans — in rubles” leads the table with 4,817, “Volume of granted loans, billion rubles — of which mortgage housing loans — in foreign currency” closes it with 0.4. The gap between them is 12,042-fold.

Only 44% of the cells carry a value — empty cells are missing in the source publication and are not filled in here.

The same indicator for other periods

More in the section Social status and standard of living of the population»

Period and application

The statistics cover the period from 2017 to 2022 and are presented as an annual snapshot. The data is relevant for analyzing the housing credit market and the dynamics of the mortgage segment in Russia. This information is useful for economists, banking analysts, and anyone monitoring housing affordability for the population

1) По данным Банка России.

2) По кредитам, выданным с начала года. С 2019 г. данные отсутствуют из-за изменения методологии.

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