俄罗斯推行住房改革20年来,实施了包括住房按揭贷款在内的一系列改革措施,以改善居民的住房条件。但是,较高的银行利率、较大的首付款比例以及昂贵的房价仍使绝大部分居民无力负担购房支出。从俄罗斯住房按揭贷款市场现状看,发展低利率长期按揭贷款应成为解决大众住房问题的重要途径。 In the 20 years since Russia implemented housing reform, a series of reform measures have been implemented, including housing mortgage loans, to improve housing conditions for residents. However, higher bank rates, larger down payment rates, and more expensive home prices still keep the vast majority of residents unable to afford home purchases. From the current situation of the Russian housing mortgage loan market, the development of long-term low-interest-rate mortgage loans should be an important way to solve the housing problem.