Исследование: Первый взнос по ипотеке в регионе превысил 2 млн руб.

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{"ID":"1403337","~ID":"1403337","TAGS":"ипотека, накопления, взносы, рейтинг, калининградская область, жилая недвижимость","~TAGS":"ипотека, накопления, взносы, рейтинг, калининградская область, жилая недвижимость","NAME":"Исследование: Первый взнос по ипотеке в регионе превысил 2 млн руб.","~NAME":"Исследование: Первый взнос по ипотеке в регионе превысил 2 млн руб.","IBLOCK_ID":"54","~IBLOCK_ID":"54","IBLOCK_SECTION_ID":"424","~IBLOCK_SECTION_ID":"424","DETAIL_TEXT":"\u003Cp\u003E\r\n\u003C\/p\u003E\r\n\u003Cp\u003E\r\n\t Калининградская область заняла 63 место в рейтинге по накоплению первоначального взноса ипотеки после 65 места годом ранее. Данные исследования приводит РИА Рейтинг.\r\n\u003C\/p\u003E\r\n\u003Cp\u003E\r\n\t Срок накопления для семьи с одним ребенком составляет 4,14 года (4,2 года в прошлом году,\u0026nbsp;\u003Ca href=\u0022https:\/\/rugrad.online\/news\/1358273\/\u0022 data-mce-href=\u0022https:\/\/rugrad.online\/news\/1358273\/\u0022\u003E6,3 года\u003C\/a\u003E\u0026nbsp;— в 2023-м). Сумма первоначального взноса составляет 2,06 млн руб. (1,91 млн руб.)\r\n\u003C\/p\u003E\r\n\u003Cp\u003E\r\n\t Самые короткие сроки накопления первого взноса в северных регионах: Ханты-Мансийский (1,68 года) и Ямало-Ненецкий автономные округа (1,82), Магаданская (2,16) и Мурманская (2,11) области, Ненецкий (2,15) и Чукотский автономные округа (2,07). В ТОП-5 регионов рейтинга копить на первоначальный взнос надо лишь чуть более чем два года; такой результат связан с высоким зарплатами северных регионов, что позволяет откладывать на накопления большие суммы.\u003Cbr\u003E\r\n \u003Cbr\u003E\r\n\t Помимо вышеназванных в ТОП-10 по минимальному сроку накопления на первоначальный взнос по ипотеке также вошли: Коми, Сахалинская область, Хабаровский край.и Камчатский край. Во всех перечисленных северных регионах копить придется менее трех лет. При этом менее пяти лет на первоначальный взнос нужно копить в 72 регионах. \u003Cbr\u003E\r\n \u003Cbr\u003E\r\n\t На последних местах рейтинга Кабардино-Балкария (8,43 года), Дагестан (9), Крым (8,94) и Чечня (9,08).\u0026nbsp;«В нижней части рейтинга как и в прошлом году расположились преимущественно Северо-Кавказские регионы, где, согласно официальной статистике, исторически невысокие зарплаты. Нахождение субъектов РФ Крымского полуострова и Республики Алтай в последней десятке во многом объясняется высокой привлекательностью рынка жилья и соответственно высокими ценами на квартиры при умеренных зарплатах местного населения. При заданных модельных параметрах, в последней десятке рейтинга среднее время накопления на ипотечный взнос составляет семь лет и девять месяцев, при том, что в десятке лидеров это время составляет 2 года и четыре месяца, то есть более чем в три c с половиной раза меньше», — указано в исследовании.\r\n\u003C\/p\u003E\r\n\u003Cp\u003E\r\n \u003Cbr\u003E\r\n\t Москва заняла в рейтинге 56 место, срок накопления на первый взнос составляет 3,95 года при сумме первоначального взноса в 5,76 млн руб. Санкт-Петербург на 50 месте (3,72 года и 3,88 млн руб.). В среднем по России срок накопления на первоначальный взнос превышает 3,45 года, а его сумма составляет 2,23 млн руб. \u003Cbr\u003E\r\n \u003Cbr\u003E\r\n \u003Cimg width=\u0022100%\u0022 src=\u0022https:\/\/rugrad.online\/upload\/iblock\/f15\/fkg6kwq31lth3ok6gcu8tc2v3r4swp6f.png\u0022\u003E\u003Cbr\u003E\r\n \u003Cbr\u003E\r\n\u003C\/p\u003E\r\n\u003Cp\u003E\r\n\t Средний по стране размер ежемесячного ипотечного платежа для квартиры площадью 60 кв.м составляет около 90 тыс. руб., а позволить себе купить такую квартиру в ипотеку\u0026nbsp; могут лишь 16 % семей. Кроме того, при сформировавшихся высоких ценах на жилую недвижимость немаловажной проблемой, стоящей перед многими семьями, желающими улучшить свои жилищные условия, помимо высокой ставки является накопление необходимой суммы для первоначального взноса — отметили авторы исследования.\u003Cbr\u003E\r\n \u003Cbr\u003E\r\n\t Расчеты произведены на\u0026nbsp;основе данных Росстата, ЕМИСС и\u0026nbsp;Сбериндекса. В\u0026nbsp;модели накопления предполагалось, что семья из\u0026nbsp;двух работающих с\u0026nbsp;медианной зарплатой и\u0026nbsp;ребёнка ежемесячно откладывает\u0026nbsp;50 % от\u0026nbsp;свободных доходов (суммарные трудовые доходы за\u0026nbsp;вычетом прожиточных минимумов) на\u0026nbsp;пополняемом банковском вкладе. Медианная зарплата является оценкой в\u0026nbsp;среднем за\u0026nbsp;12\u0026nbsp;месяцев с\u0026nbsp;сентября 2024 года по\u0026nbsp;сентябрь 2025-го. Необходимый первоначальный взнос определялся как\u0026nbsp;30 % от\u0026nbsp;стоимости типовой шестидесятиметровой квартиры в\u0026nbsp;каждом регионе. Для целей исследования процентная ставка по\u0026nbsp;депозитам бралась соответствующей федеральному округу, в\u0026nbsp;который входит регион.\r\n\u003C\/p\u003E","~DETAIL_TEXT":"\u003Cp\u003E\r\n\u003C\/p\u003E\r\n\u003Cp\u003E\r\n\t Калининградская область заняла 63 место в рейтинге по накоплению первоначального взноса ипотеки после 65 места годом ранее. Данные исследования приводит РИА Рейтинг.\r\n\u003C\/p\u003E\r\n\u003Cp\u003E\r\n\t Срок накопления для семьи с одним ребенком составляет 4,14 года (4,2 года в прошлом году,\u0026nbsp;\u003Ca href=\u0022https:\/\/rugrad.online\/news\/1358273\/\u0022 data-mce-href=\u0022https:\/\/rugrad.online\/news\/1358273\/\u0022\u003E6,3 года\u003C\/a\u003E\u0026nbsp;— в 2023-м). Сумма первоначального взноса составляет 2,06 млн руб. (1,91 млн руб.)\r\n\u003C\/p\u003E\r\n\u003Cp\u003E\r\n\t Самые короткие сроки накопления первого взноса в северных регионах: Ханты-Мансийский (1,68 года) и Ямало-Ненецкий автономные округа (1,82), Магаданская (2,16) и Мурманская (2,11) области, Ненецкий (2,15) и Чукотский автономные округа (2,07). В ТОП-5 регионов рейтинга копить на первоначальный взнос надо лишь чуть более чем два года; такой результат связан с высоким зарплатами северных регионов, что позволяет откладывать на накопления большие суммы.\u003Cbr\u003E\r\n \u003Cbr\u003E\r\n\t Помимо вышеназванных в ТОП-10 по минимальному сроку накопления на первоначальный взнос по ипотеке также вошли: Коми, Сахалинская область, Хабаровский край.и Камчатский край. Во всех перечисленных северных регионах копить придется менее трех лет. При этом менее пяти лет на первоначальный взнос нужно копить в 72 регионах. \u003Cbr\u003E\r\n \u003Cbr\u003E\r\n\t На последних местах рейтинга Кабардино-Балкария (8,43 года), Дагестан (9), Крым (8,94) и Чечня (9,08).\u0026nbsp;«В нижней части рейтинга как и в прошлом году расположились преимущественно Северо-Кавказские регионы, где, согласно официальной статистике, исторически невысокие зарплаты. Нахождение субъектов РФ Крымского полуострова и Республики Алтай в последней десятке во многом объясняется высокой привлекательностью рынка жилья и соответственно высокими ценами на квартиры при умеренных зарплатах местного населения. При заданных модельных параметрах, в последней десятке рейтинга среднее время накопления на ипотечный взнос составляет семь лет и девять месяцев, при том, что в десятке лидеров это время составляет 2 года и четыре месяца, то есть более чем в три c с половиной раза меньше», — указано в исследовании.\r\n\u003C\/p\u003E\r\n\u003Cp\u003E\r\n \u003Cbr\u003E\r\n\t Москва заняла в рейтинге 56 место, срок накопления на первый взнос составляет 3,95 года при сумме первоначального взноса в 5,76 млн руб. Санкт-Петербург на 50 месте (3,72 года и 3,88 млн руб.). В среднем по России срок накопления на первоначальный взнос превышает 3,45 года, а его сумма составляет 2,23 млн руб. \u003Cbr\u003E\r\n \u003Cbr\u003E\r\n \u003Cimg width=\u0022100%\u0022 src=\u0022https:\/\/rugrad.online\/upload\/iblock\/f15\/fkg6kwq31lth3ok6gcu8tc2v3r4swp6f.png\u0022\u003E\u003Cbr\u003E\r\n \u003Cbr\u003E\r\n\u003C\/p\u003E\r\n\u003Cp\u003E\r\n\t Средний по стране размер ежемесячного ипотечного платежа для квартиры площадью 60 кв.м составляет около 90 тыс. руб., а позволить себе купить такую квартиру в ипотеку\u0026nbsp; могут лишь 16 % семей. Кроме того, при сформировавшихся высоких ценах на жилую недвижимость немаловажной проблемой, стоящей перед многими семьями, желающими улучшить свои жилищные условия, помимо высокой ставки является накопление необходимой суммы для первоначального взноса — отметили авторы исследования.\u003Cbr\u003E\r\n \u003Cbr\u003E\r\n\t Расчеты произведены на\u0026nbsp;основе данных Росстата, ЕМИСС и\u0026nbsp;Сбериндекса. В\u0026nbsp;модели накопления предполагалось, что семья из\u0026nbsp;двух работающих с\u0026nbsp;медианной зарплатой и\u0026nbsp;ребёнка ежемесячно откладывает\u0026nbsp;50 % от\u0026nbsp;свободных доходов (суммарные трудовые доходы за\u0026nbsp;вычетом прожиточных минимумов) на\u0026nbsp;пополняемом банковском вкладе. Медианная зарплата является оценкой в\u0026nbsp;среднем за\u0026nbsp;12\u0026nbsp;месяцев с\u0026nbsp;сентября 2024 года по\u0026nbsp;сентябрь 2025-го. Необходимый первоначальный взнос определялся как\u0026nbsp;30 % от\u0026nbsp;стоимости типовой шестидесятиметровой квартиры в\u0026nbsp;каждом регионе. 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