How much money customers are willing to pay the mortgage?

Many people do not mind to get an apartment on credit, but are willing to pay for it less than that required banks. "Analytical and Consulting Center MIEL has conducted a survey of potential home buyers in Moscow and its suburbs. According to his data, from those who are ready to buy a flat, 27% plan to in the next three years to take a mortgage, while 67% would prefer to refuse it. Proponents of mortgages 22% of respondents could not estimate the amount of your down payment, but almost 2 / 3 of respondents are willing to spend for this purpose, up to 500 thousand rubles. Only 5% of respondents are willing to make the cashier 250-500 thousand rubles. and 751 thousand-1 million rubles. Taking a mortgage loan, you need each month to pay some amount of the debt with interest. About 25% are willing to spend for this purpose, 9-15 thousand rubles., 20% can contribute up to 9 thousand rubles., 10% under the force to pay 21-27 thousand rubles., 5% are willing to part with 27-36 thousand rubles. per month and only 2% may be paid over 36 thousand rubles. These data demonstrate that many potential home buyers with difficulty assess their financial capabilities. Even if you take out a mortgage 3 million rubles. for 20 years at 13% per annum, the monthly payment of debt service will amount to 35.147 thousand rubles, and if it goes on an apartment in Moscow and the amount of the loan of 5 million rubles., then the regular payment amount to 58.578 thousand rubles .- this payment ready Only a few buyers. These data overlap with the results of our case study, which found that only 3% of our visitors can afford to buy property on a mortgage. This loan is considered an unpopular 33% due to higher interest rates, 17% are not satisfied with the high property prices, while 45% of the respondents prevent low levels of income.