📋 Tender Overview
In 2025, most borrowers were focused on the classic and most sought-after types of residential real estate: apartments in new builds and resale apartments, suburban real estate, and single-family homes facilitated by construction loans. However, besides these categories, there are niche mortgage loans that, despite high interest rates and lack of state subsidies, were also in demand. Demand for niche mortgage plans The main and traditionally most sought-after categories among mortgage borrowers are new and pre-owned apartments, suburban real estate, and single-family homes. In 2025, they accounted for 96.2% of all new loans and 98.5% of the volume of disbursements at Sber. Such a high share is primarily explained by the fact that these properties meet basic housing needs and are often more affordable due to state subsidies, especially new builds. The rest of the mortgage deals in 2025 were distributed across a fairly broad range of niche segments in the real estate market. Among them, the most popular loans somehow addressed housing needs. In terms of the number of issued loans, the leaders were land acquisition (33.3%), rooms (17.9%), shares in apartments (11.3%), suites and apartments with land plots (9% each). Parking spaces and garages accounted for a significant (9.6%) share of niche mortgages. At the same time, as already mentioned in our study, demand for storage lockers decreased by 40% in 2025, and their share amounted to only 1.4%. Commercial real estate available for purchase by individuals accounted for 0.4% of the total number of niche mortgages, although its share in disbursements is higher, at 0.9%. Moscow Region (18.2%), Moscow (11.9%), Bashkortostan Republic (8.1%), Krasnodar Territory (7.7%), and Saint Petersburg (6.6%) were the top five Russian regions with the number of niche mortgages in 2025. The demand structure varied across the leading regions: plots (44.5%), garden houses (12.1%), and parking spaces (11.6%) led in Moscow Region; suites (32.3%), parking spaces (27.6%), and rooms (16.1%) were dominant in Moscow; rooms (34.5%), suites (21.7%), and plots (15%) topped the list in Bashkortostan. Methodology The analysis was based on data on the number and size of mortgages at Sber in 2025 for types of real estate available for purchase by individuals. The main categories of mortgage -- new builds, pre-owned housing, suburban real estate, and construction loans -- were excluded from the sample.
