Poverty and living standards in Kabardino-balkariya Rep., Russia: official figures
Banks issued 2,831 mortgage loans to households in Kabardino-Balkaria in 2025 (10th lowest of 82 regions by number), down 21.0% on the 3,582 issued in 2024.
What is the average mortgage size in Kabardino-Balkaria?
A typical new home loan in Kabardino-Balkaria averaged 3.55 million roubles in 2025, 22.9% below the Russian average and 9th smallest of 82 regions.
Source: Bank of Russia · saved copyHow much mortgage lending was there in Kabardino-Balkaria?
Mortgage lending in Kabardino-Balkaria totalled 10.0 billion roubles in 2025, 0.23% of all mortgage lending in Russia that year.
Source: Bank of Russia · saved copyAre mortgages in Kabardino-Balkaria rising or falling in 2026?
From January to August 2026, 1,472 mortgages were issued in Kabardino-Balkaria, down 8.1% on the same months of 2025 (nationally the number rose 31.9%).
Source: Bank of Russia · saved copyWhat is the average mortgage rate in Kabardino-Balkaria?
The weighted average interest rate on new rouble housing loans in Kabardino-Balkaria was 8.34% in August 2026, compared with 7.59% a year earlier; the national rate was 10.09%.
Source: Bank of Russia · saved copyHow long are mortgages in Kabardino-Balkaria?
Housing loans granted in Kabardino-Balkaria in August 2026 ran for 26.7 years on average (321 months), against 23.8 years nationally.
Source: Bank of Russia · saved copyHow Kabardino-balkariya Rep. compares with other first-level divisions
Mortgage loans issued to households (2025)
Kabardino-balkariya Rep. ranks 73 of 82, highest first.
| Rank | Region | Mortgage loans issued to households |
|---|---|---|
| 70 | Pskovskaya Oblast | 3,281 |
| 71 | Novgorodskaya Oblast | 3,092 |
| 72 | Adygeya Rep. | 2,901 |
| 73 | Kabardino-balkariya Rep. | 2,831 |
| 74 | Severnaya Osetiya-alaniya Rep. | 2,658 |
| 75 | Kalmykiya Rep. | 2,512 |
| 76 | Kamchatskaya Oblast | 2,377 |
Average mortgage loan size (roubles) (2025)
Kabardino-balkariya Rep. ranks 74 of 82, highest first.
| Rank | Region | Average mortgage loan size (roubles) |
|---|---|---|
| 71 | Ulyanovskaya Oblast | 3.67 million |
| 72 | Chelyabinskaya Oblast | 3.63 million |
| 73 | Kostromskaya Oblast | 3.58 million |
| 74 | Kabardino-balkariya Rep. | 3.55 million |
| 75 | Pskovskaya Oblast | 3.53 million |
| 76 | Altayskiy Kray | 3.51 million |
| 77 | Karatchayevo-cherkesiya Rep. | 3.47 million |
Average interest rate on new rouble housing loans (August 2026)
Kabardino-balkariya Rep. ranks 72 of 82, highest first.
| Rank | Region | Average interest rate on new rouble housing loans |
|---|---|---|
| 69 | Dagestan Rep. | 8.68% |
| 70 | Adygeya Rep. | 8.62% |
| 71 | Astrakhanskaya Oblast | 8.55% |
| 72 | Kabardino-balkariya Rep. | 8.34% |
| 73 | Nenetskiy Okrug | 7.69% |
| 74 | Khabarovskiy Kray | 6.99% |
| 75 | Zabaykalsky Kray | 6.38% |
More on Kabardino-balkariya Rep.: overview · economy and jobs · government budget · government and politics · Russia
Sources
- Bank of Russia: Volume of mortgage housing loans granted to resident individuals, by federal subject, monthly (million roubles), read 23 October 2026 · saved copy (SHA-256 dd8b0b9c3a28…)
- Bank of Russia: Weighted average term and interest rate on housing loans granted to resident individuals, by federal subject, monthly, read 23 October 2026 · saved copy (SHA-256 c79bc01eed4d…)
- Bank of Russia: Number of mortgage housing loans granted to resident individuals, by federal subject, monthly, read 23 October 2026 · saved copy (SHA-256 aaf91ddb85b3…)
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