Poverty and living standards in Karatchayevo-cherkesiya Rep., Russia: official figures
Banks issued 1,817 mortgage loans to households in Karachay-Cherkessia in 2025 (6th lowest of 82 regions by number), down 39.6% on the 3,009 issued in 2024.
What is the average mortgage size in Karachay-Cherkessia?
A typical new home loan in Karachay-Cherkessia averaged 3.47 million roubles in 2025, 24.5% below the Russian average and 6th smallest of 82 regions.
Source: Bank of Russia · saved copyHow much mortgage lending was there in Karachay-Cherkessia?
Mortgage lending in Karachay-Cherkessia totalled 6.3 billion roubles in 2025, 0.14% of all mortgage lending in Russia that year.
Source: Bank of Russia · saved copyAre mortgages in Karachay-Cherkessia rising or falling in 2026?
From January to August 2026, 1,090 mortgages were issued in Karachay-Cherkessia, up 6.9% on the same months of 2025 (nationally the number rose 31.9%).
Source: Bank of Russia · saved copyWhat is the average mortgage rate in Karachay-Cherkessia?
The weighted average interest rate on new rouble housing loans in Karachay-Cherkessia was 11.07% in August 2026, compared with 8.70% a year earlier; the national rate was 10.09%.
Source: Bank of Russia · saved copyHow long are mortgages in Karachay-Cherkessia?
Housing loans granted in Karachay-Cherkessia in August 2026 ran for 27.0 years on average (324 months), against 23.8 years nationally.
Source: Bank of Russia · saved copyHow Karatchayevo-cherkesiya Rep. compares with other first-level divisions
Mortgage loans issued to households (2025)
Karatchayevo-cherkesiya Rep. ranks 77 of 82, highest first.
| Rank | Region | Mortgage loans issued to households |
|---|---|---|
| 74 | Severnaya Osetiya-alaniya Rep. | 2,658 |
| 75 | Kalmykiya Rep. | 2,512 |
| 76 | Kamchatskaya Oblast | 2,377 |
| 77 | Karatchayevo-cherkesiya Rep. | 1,817 |
| 78 | Altay Rep. | 1,447 |
| 79 | Magadanskaya Oblast | 1,262 |
| 80 | Ingushetiya Rep. | 966 |
Average mortgage loan size (roubles) (2025)
Karatchayevo-cherkesiya Rep. ranks 77 of 82, highest first.
| Rank | Region | Average mortgage loan size (roubles) |
|---|---|---|
| 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 |
| 78 | Kurganskaya Oblast | 3.44 million |
| 79 | Vologodskaya Oblast | 3.37 million |
| 80 | Altay Rep. | 3.20 million |
Average interest rate on new rouble housing loans (August 2026)
Karatchayevo-cherkesiya Rep. ranks 9 of 82, highest first.
| Rank | Region | Average interest rate on new rouble housing loans |
|---|---|---|
| 6 | Moskva | 11.30% |
| 7 | Ulyanovskaya Oblast | 11.26% |
| 8 | Komi Rep. | 11.20% |
| 9 | Karatchayevo-cherkesiya Rep. | 11.07% |
| 10 | Kemerovskaya Oblast | 11.02% |
| 11 | Kalmykiya Rep. | 10.98% |
| 12 | Orlovskaya Oblast | 10.98% |
More on Karatchayevo-cherkesiya 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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