I think this has most of the data you need, I cover it when Kommersant gets to it cause I don't have the bandwidth to get ahead of them. frankrg.com/news/ipoteka... - ThreadSky

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delfoo.bsky.social • 49 days ago

I think this has most of the data you need, I cover it when Kommersant gets to it cause I don't have the bandwidth to get ahead of them.

https://frankrg.com/news/ipoteka-itogi-marta-2025-goda

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leoskyview.bsky.social•49 days ago

Thank you again Stanimir! That's very helpful. Looks like the outstanding amount is lower (10.1tr) but the subsidies seem to be calc'd to market rate rather than CBR rate? Would explain Siluanov's claim of 2tr annual costs.

delfoo.bsky.social•49 days ago

Yes the market rate is in the 28-29% range and that's what they subsidise, for family mortgages it's down to I think 6% and for the now canceled state mortgage it was down to 8%. The far eastern one is down to 2%.

leoskyview.bsky.social•49 days ago

Any idea what the subsidised&unsubsidised rates are for the outstanding other loans (private/SME)? I have the volume outstanding for those at least.

delfoo.bsky.social•46 days ago

Remind me in a few days to see if I can dig up something when my schedule frees up a bit. I just don't have the time right now. And in the meantime you can try your luck at banki ru they have calculators for loans but you might have to create an account. Use a burner gmail it should work:

leoskyview.bsky.social•46 days ago

Thanks once again. I have tried to make all of Siluanov's statements + your source match and I just can't quite do it. I'm close but not there. Range of predicted costs for loan subsidies in 2025, inc. mortgages, ranges from 2-4tr or so at current rates.

delfoo.bsky.social•46 days ago

There are preferential loans for expanding industrial production and subsidies for buying vehicles that are shorter termed and interest on new vehicles averages at 18,4% so it's hard to account for everything.

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