In the II quarter In 2023, the issuance of mortgages for individual housing construction and finished houses reached its maximum.

The bulk of mortgages were issued for the purchase of finished houses: banks provided 51 thousand loans (+66% to Q1 2023) for RUB 176 billion. (+64%).

Issuance of mortgages for the construction of residential buildings in the 2nd quarter. amounted to 25 thousand loans (+117% compared to the first quarter of 2023) for 110 billion rubles. (+121%).

The share of mortgages on individual housing construction in the total number of issuances increased to 5% (+2 percentage points in the first quarter), and in issuance on the primary market - to 20% (+8 percentage points per quarter).

Based on the results of the first half. In 2023, more mortgages were issued for individual housing construction (37 thousand loans) than in the entire 2022 (33 thousand loans) ‒ According to the forecast of DOM.RF, in general for 2023, the issuance of mortgages for individual housing construction will exceed 60 thousand loans Mortgage on individual housing construction actively grew due to preferential programs: in the II quarter. their share reached 97% of issuances (+3 percentage points by Q1 2023).

More than half of the issuance was still accounted for by “Preferential mortgage” - 55%, of which 40% - by individual housing construction in an economic way - The share of “Family mortgage” increased to 29% (+4 percentage points compared to the first quarter of 2023).

The mortgage portfolio for individual housing construction as of July 1, 2023 reached 333 billion rubles. (+47% by 04/01/2023) or 2% (+0.5 percentage points) of the entire mortgage portfolio.

In the II quarter In 2023, the issuance of mortgages for individual housing construction and finished houses reached its maximum.

Almost all loans for individual housing construction were issued under preferential programs.