In the Russian Federation have the opportunity to tighten for credit institutions mortgage rules, appropriate action contained in the report of the Central Bank, prepared for discussion by market participants. So, from July 1, 2020, the CBR may impose differential allowance " to the risk coefficients on mortgage loans depending on the rate of leverage of the borrower and of the relation of the size of the principal on the mortgage loan to the fair value of the collateral ". If these measures are adopted, the load on the capital of credit organizations, while preserving the structure of mortgage portfolios can grow 1, 4 times. So, the regulator wants to deprive credit institutions an incentive to issue mortgage loans to borrowers with a high debt load and low down payment. in addition, increase the capital stock to cover losses under different shock situations, " which can result in the reduction of funds coming from residents and real estate prices ". before the regulator decided to increase from 1 January 2020, the risk ratio for mortgage loans with an initial contribution below 20% from 150% to 200%. Russian banks and microfinance institutions from October 1, are required to calculate the marginal debt load of individuals. The rate on loans of ten thousand Rubles. is calculated as the ratio of monthly loan payments to monthly income of the borrower. <span style="color:darkgray