7 min read
2026-02-02
Cost: 4,500,000 ₽
Down payment: 20% (900,000 ₽)
Rate: 10.5%, term: 20 years
Monthly payment: ~36,200 ₽
Required income: from 72,000 ₽/month.
Cost: 8,000,000 ₽
Down payment: 15% (RUB 1,200,000)
Rate: 6% (preferential), term: 25 years
Monthly payment: ~43,800 ₽
| Parameter | Before | After |
|---|---|---|
| Remainder | 3,000,000 ₽ | 3,000,000 ₽ |
| Rate | 12% | 9.5% |
| Deadline | 15 years | 15 years |
| Payment | 36,000 ₽ | RUB 31,300 |
| Savings | — | ~850,000 ₽ |
When you deposit an additional 20,000 ₽/month. for a payment of 36,000 rubles, the mortgage term is reduced from 20 to 11 years, and the overpayment is reduced by almost half.
Always have a reserve of 3-6 months of payments in case of unforeseen circumstances.
See also: Loan calculator, Compound interest