in 2025, every fifth borrower with a market mortgage repaid it / Economic news of Krasnoyarsk and the Krasnoyarsk Territory / Newslab.Ru
31 January 13:09
VTB analyzed the activity of clients who took out market mortgages in 2025.
The results showed that every second person regularly made partial early payments, and every fifth person closed the loan. For comparison, in 2024 only one out of ten executed contracts was fully repaid.
Despite the fact that last year the bulk of issuances came from government support programs, and the demand for market mortgages decreased, they still found their buyers.
In 2025, about 8.3 thousand clients took out market mortgages at VTB. The average size of the down payment exceeded 50% (versus 30% in 2023), and the average loan receipt over two years decreased by about 20% – to 3.3 million rubles.
Many borrowers, when applying for a loan in 2025, initially expected it to be repaid quickly. More than 54% of bank clients with market mortgages paid off their mortgages on average five times faster than scheduled. Although the share of borrowers making regular partial early payments decreased year-on-year, the average amount and frequency of their additional payments increased.
Related materials
In total, VTB borrowers allocated about 8 billion rubles for early repayment (partial and full) under market programs in 2025. At the same time, the statistics of complete early closure, in addition to the strategy of borrowers to quickly get rid of debt, was also influenced by refinancing. Interest in this tool for reducing financial burden has gradually increased since the second half of last year.
Clients who took advantage of government support programs acted diametrically opposite. The share of borrowers making extra payments fell from 46% to about 29%, and the full prepayment rate moved even closer to zero.
This year, VTB expects the availability of market mortgages to increase. If the key rate continues to decline, demand for it will intensify, which will lead to parity between government and market programs in the structure of mortgage sales.
