Last year, the volume of mortgage lending decreased fourfold, according to a review by the Agency for Housing Mortgage Lending (AHML). This year, AHML predicts that lending will more than double, to 280-320 billion rubles. In this case, the interest rate may decrease to 12-13% per annum in rubles and up to 11% in dollars. According to experts, despite the economic recovery, the growth rate of mortgage lending will not be so rapid, and the rate may actually drop to the predicted values.