Sber told which apartments are purchased with a mortgage at base rates in the Krasnoyarsk Territory

The Domklik analytical center studied Sber mortgage transactions for the purchase of secondary housing at base rates in the Krasnoyarsk Territory. Based on these data, the Center's analysts compiled a portrait of a typical apartment on the secondary market.

Since the beginning of 2025, residents of the Krasnoyarsk Territory have completed more than 2.7 thousand transactions with Sberbank for the purchase of finished apartments at base rates. The peak of business activity occurred in October, when approximately 510 transactions were concluded. In the third quarter of 2025, Sber issued 4 times more mortgage funds for the purchase of secondary housing than in the first quarter.

Women are more likely than men to take out a market mortgage for secondary housing – 61% versus 39%. Almost 50% of borrowers are married, and the vast majority of borrowers, both married and unmarried, do not have children (95%). The average age of a borrower has increased since last year and amounted to 39 years, in 2024 – 38 years.

One-room apartments are the most in demand for purchase at market rates; they accounted for approximately 44% of the total number of issues. Two-room apartments come next (35.4%), and three-room apartments were purchased by 16.6% of borrowers.

The average area of ​​an apartment issued with a mortgage according to market conditions in the Krasnoyarsk Territory was 45 square meters. m, which is per 1 sq. m more than in 2024. The median monthly payment, in turn, slightly exceeded 36 thousand rubles.

“To ease the financial burden of its clients, Sber offers various tools to reduce base rates. For example, the “rate to reduce” option will help you reduce the rate on your mortgage in the future, if the key rate decreases. For salary clients of Sber, a discount of 1% from the base rate is provided. When purchasing a property from the Domklik storefront, you can additionally receive a discount of up to 1%. Understanding all the subtleties and nuances of reducing the rate in Sberbank, you can most profitably purchase real estate with a mortgage and save your budget,” said Alexander Nuikin, manager of the Krasnoyarsk branch of Sberbank.

“The mortgage market today is divided into two poles. One is secondary housing, where mortgages are used selectively, as an additional payment in alternative transactions. On the other are new buildings where preferential programs reign, explained Irina Tomarovskaya, executive director of the AREVERA-Real Estate company. — And although the market mortgage rate is high, this does not stop buyers: on the secondary market they find opportunities for transactions, the share of such transactions is 33%, and the average loan amount of 2.5 million rubles (monthly payment 42,000 – 45,000 rubles) is enough to purchase both a Khrushchev-era building and an apartment with new layouts. In the primary market, buyers continue to actively use preferential programs to purchase a new apartment.”

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