Overview
- RIA’s new ranking finds Chukotka and the Yamalo-Nenets Autonomous Okrug with the lowest payment-to-income ratios, while Kalmykia and North Ossetia rank as the most burdened.
- The typical mortgage payment equals 48.8% of two average net salaries nationwide, down from about 54% a year earlier as wages outpaced payment growth.
- In the worst cases, payments exceed two-thirds of two salaries in 14 regions, with Kalmykia at 115% and North Ossetia at 87%.
- New mortgage issuance plunged in January–August 2025 to 502,000 loans totaling 2.2 trillion rubles, versus 968,000 loans and 3.5 trillion rubles a year earlier.
- Bank of Russia data show overdue mortgage debt in Tatarstan jumped threefold year over year to 5.7 billion rubles as of October 1, with overall housing debt up to 683.2 billion rubles.