> двухкомнатной квартиры площадью 75 квадратных метров
хех
чурочий евроСОВОК 2.0 летит впизду
необучаемость интернационалистов завершиться только когда помрет последний беляш
необучаемость интернационалистов завершиться только когда помрет последний беляш
>стандартной двухкомнатной квартиры площадью 75 квадратных метров
У меня доход больше чем у 94% россиян, и это по официальной статистике которая завышает доходы россиян, и я нихуя не могу себе позволить купить стандартную двухкомнатную квартиру площадью 75 квадратных метров
Так азиатский летит туда точно также. Там ситуация еще хуже.
> мир летит в пизду
Пофиксил тебя.
> 70% жителей Европы
>стандартной двухкомнатной квартиры площадью 75 квадратных метров
>ипотечные платежи отнимают не более трети совокупного дохода семьи
Таак, а как в РФ по подобным критериям ситуация обстоит?
>стандартной двухкомнатной квартиры площадью 75 квадратных метров
У нас считай трёшка, поскольку у них кухня гостиная не считается
Тут же Мордор, ставка по еботеке 100500%, строят только пиковейники, здесь даже сравнивать не стоит. А там цветущий сад с 0.000001% по ипотеке и зарплатами 5000€, неужели жильё такое дорогое?
> 50-метровую студию
Ебало народа-победителя, для которого это метраж солидной двушки для солидных людей?
> 75 квадратных метров
Фигасе!!!
мимо средний класс из России, для которого не по карману даже 16 квадратных метров в кредит на всю жизнь
Я и трешки такие видел, каждому по микропеналу комнате метр на два, зато кухня половина площади, видимо простой люд считается что живет на кухне, приходит с работы включает там телек под водочку, накидывается и баиньки в микропенал.
Лахтинец забавное существо. Скажут, перекрывать самую недоступную московскую ипотеку — будет перекрывать, оставаясь при этом без собственного жилья. Лахтинской зряплаты не хватает даже на аренду в Москве. А ты все выписываешь, поросль, какие все враги и как путин прав во всем.
Почему ты такой дебил?
Короч почитал статью и там довольно сложный способ высчитывания
дохода домохозяйства.
Several ways exist to measure and quantify the extent of housing (un)affordability. Typically, affordability refers to some relationship of ongoing housing costs and household income levels. Depending on the household’s tenure, housing costs are typically defined narrowly as either rent or mortgage costs including principal repayment and mortgage interest. However, they can also be captured more broadly to also include the costs of mandatory services and charges, regular maintenance and repairs, taxes and utilities (see CitationOECD, 2024). Depending on the tenure we thus consider either rents or mortgage costs which are calculated based on a hypothetical 30-year mortgage and fixed interest rates. These were provided by DG ECFIN and refer to the most recent yearly average available, typically 2023. Additionally, we harmonize the data to include mandatory taxes such as existing real estate transfer taxes or VAT as well as land registry and notary fees.
However, housing affordability is, of course, not only a function of housing-related costs but also of available income (e.g. CitationHaffner & Hulse, 2019). National-level statistics by the OECD are based on disposable income; i.e. income after tax and including potential social transfers should be used as a reference (CitationOECD, 2024). Income should further be equivalized for household size (CitationOECD, 2024). Similar to the housing market, regionalized income data is hardly available throughout Europe. Thus several studies approximate local income levels with GDP/capita (e.g. CitationSielker et al., 2022). However, the way GDP is accounted for leads to high concentrations of income in capitals and financial hubs (CitationEurostat, 2025c). Thus using GDP as a proxy for the local population's ability to pay for housing is extremely biased, especially in those places which are likely to suffer from the highest level of housing unaffordability. However, a recent study by CitationMikou et al. (2024) offers a local disaggregation of disposable income across Europe, which includes these variables. Building on this dataset, we utilize the most up-to-date spatial income distribution within each country and scale it to the current level of equivalized income as reported by CitationEurostat (2025b). While this data again is not a direct measurement at the LAU level but an approximation through spatial disaggregation, it allows us to derive a Europe-wide map of housing affordability at the proper spatial scale. Especially in several Eastern-European countries, there is little actual variation on the local level, except for the major cities (see CitationMikou et al., 2024; CitationSielker et al., 2025b). While this can lead to a certain level of bias in the local affordability estimation (e.g. due to some intermediate regions income being underestimated), the overall plausibility of results is higher compared to alternative proxy metrics such as GDP/capita – both theoretically and empirically. See CitationESPON HOUSE4ALL (2024) for a comparison with GDP based affordability maps. The underlying absolute values should nonetheless be treated with caution due to the uncertainty stemming from both the survey estimates as well as the disaggregation by CitationMikou et al. (2024).
Based on these data, we are able to derive related affordability indicators for both homeownership and the private rental market. Taking the local function relating housing price (including additional costs such as taxes and fees) and size, the mortgage interest rates and the local equivalized net income, we can estimate how many Math input errora household would be able to afford using a standardized loan product. In our case, we assume the buyer is able to spend one third of the average income on a 30-year mortgage, a commonly used threshold in affordability analysis (e.g. CitationStone, 2006). Substantial downpayment requirements pose an additional entry barrier to homeownership, which in practice often means accumulated wealth (CitationLersch & Dewilde, 2018) or parental resources are a key factor (e.g. CitationArundel & Hochstenbach, 2020). However, for the sake of simplicity and comparability across regulatory settings, we abstract from the fact that a downpayment would typically be required. Meanwhile, the rather long duration of 30 years, matching maximum mortgage durations in several EU countries (CitationCousin et al., 2025), is chosen to highlight the severity of the problem in some regions. As the indicator relies on national-level mortgage rates, the spatial patterns obtained are dependent on the loan duration. We thus provide a version of the map featuring a 20-year mortgage duration for comparison in Annex B.
For the rental market, we similarly assess how many Math input error can be rented while spending one-third of an equivalized net income. Hence, both indicators are measured at the same scale assuming the same level of housing related burden. However, we nonetheless caution against a like-for-like comparison as homeowners accumulate equity with each instalment. Despite these caveats, both indicators provide a good proxy for the financial accessibility of the housing market segment. Conceptually, they measure affordability at current market rates. Hence, it does not shed any light on the current housing cost burden of the local population but needs to be interpreted from a newcomer’s point of view.
В РФ такое я не статист экономист обосрусь считать, но грубо говоря там берется доход домохозяйства после налогов с учетом страны/региона причем в этом доходе учитываются пособия социальные.
Самое ближайшее что можно найти по РФ это среднедушевые доходы населения .
Согласно данным Росстата, во III квартале 2025 года среднедушевые доходы населения в России были на уровне 73 тысяч рублей в месяц
дохода домохозяйства.
Several ways exist to measure and quantify the extent of housing (un)affordability. Typically, affordability refers to some relationship of ongoing housing costs and household income levels. Depending on the household’s tenure, housing costs are typically defined narrowly as either rent or mortgage costs including principal repayment and mortgage interest. However, they can also be captured more broadly to also include the costs of mandatory services and charges, regular maintenance and repairs, taxes and utilities (see CitationOECD, 2024). Depending on the tenure we thus consider either rents or mortgage costs which are calculated based on a hypothetical 30-year mortgage and fixed interest rates. These were provided by DG ECFIN and refer to the most recent yearly average available, typically 2023. Additionally, we harmonize the data to include mandatory taxes such as existing real estate transfer taxes or VAT as well as land registry and notary fees.
However, housing affordability is, of course, not only a function of housing-related costs but also of available income (e.g. CitationHaffner & Hulse, 2019). National-level statistics by the OECD are based on disposable income; i.e. income after tax and including potential social transfers should be used as a reference (CitationOECD, 2024). Income should further be equivalized for household size (CitationOECD, 2024). Similar to the housing market, regionalized income data is hardly available throughout Europe. Thus several studies approximate local income levels with GDP/capita (e.g. CitationSielker et al., 2022). However, the way GDP is accounted for leads to high concentrations of income in capitals and financial hubs (CitationEurostat, 2025c). Thus using GDP as a proxy for the local population's ability to pay for housing is extremely biased, especially in those places which are likely to suffer from the highest level of housing unaffordability. However, a recent study by CitationMikou et al. (2024) offers a local disaggregation of disposable income across Europe, which includes these variables. Building on this dataset, we utilize the most up-to-date spatial income distribution within each country and scale it to the current level of equivalized income as reported by CitationEurostat (2025b). While this data again is not a direct measurement at the LAU level but an approximation through spatial disaggregation, it allows us to derive a Europe-wide map of housing affordability at the proper spatial scale. Especially in several Eastern-European countries, there is little actual variation on the local level, except for the major cities (see CitationMikou et al., 2024; CitationSielker et al., 2025b). While this can lead to a certain level of bias in the local affordability estimation (e.g. due to some intermediate regions income being underestimated), the overall plausibility of results is higher compared to alternative proxy metrics such as GDP/capita – both theoretically and empirically. See CitationESPON HOUSE4ALL (2024) for a comparison with GDP based affordability maps. The underlying absolute values should nonetheless be treated with caution due to the uncertainty stemming from both the survey estimates as well as the disaggregation by CitationMikou et al. (2024).
Based on these data, we are able to derive related affordability indicators for both homeownership and the private rental market. Taking the local function relating housing price (including additional costs such as taxes and fees) and size, the mortgage interest rates and the local equivalized net income, we can estimate how many Math input errora household would be able to afford using a standardized loan product. In our case, we assume the buyer is able to spend one third of the average income on a 30-year mortgage, a commonly used threshold in affordability analysis (e.g. CitationStone, 2006). Substantial downpayment requirements pose an additional entry barrier to homeownership, which in practice often means accumulated wealth (CitationLersch & Dewilde, 2018) or parental resources are a key factor (e.g. CitationArundel & Hochstenbach, 2020). However, for the sake of simplicity and comparability across regulatory settings, we abstract from the fact that a downpayment would typically be required. Meanwhile, the rather long duration of 30 years, matching maximum mortgage durations in several EU countries (CitationCousin et al., 2025), is chosen to highlight the severity of the problem in some regions. As the indicator relies on national-level mortgage rates, the spatial patterns obtained are dependent on the loan duration. We thus provide a version of the map featuring a 20-year mortgage duration for comparison in Annex B.
For the rental market, we similarly assess how many Math input error can be rented while spending one-third of an equivalized net income. Hence, both indicators are measured at the same scale assuming the same level of housing related burden. However, we nonetheless caution against a like-for-like comparison as homeowners accumulate equity with each instalment. Despite these caveats, both indicators provide a good proxy for the financial accessibility of the housing market segment. Conceptually, they measure affordability at current market rates. Hence, it does not shed any light on the current housing cost burden of the local population but needs to be interpreted from a newcomer’s point of view.
В РФ такое я не статист экономист обосрусь считать, но грубо говоря там берется доход домохозяйства после налогов с учетом страны/региона причем в этом доходе учитываются пособия социальные.
Самое ближайшее что можно найти по РФ это среднедушевые доходы населения .
Согласно данным Росстата, во III квартале 2025 года среднедушевые доходы населения в России были на уровне 73 тысяч рублей в месяц
Потому что у лахтинцев в методичке написано обзывать дебилами всех, кто не согласен поедать ваш сблев ватной свиньи. Визжи, свинка.
Если брать среднюю в вакууме цену за квадратный метр в РФ то цена - 113 685 рублей.
Средняя цена за квартиру 75 квадратов: 113 685 руб./м² × 75 м² = 8 526 375 руб
Ипотеку мне болван посчитал:
Средняя рыночная ставка по ипотеке в конце 2025 года составила около 19,3–19,9% . Возьмем для расчета 30-летнюю ипотеку (как в европейском исследовании) и условный первоначальный взнос (хотя авторы абстрагируются от него для упрощения).
Ежемесячный платеж по кредиту на 30 лет под 19,5% годовых от стоимости квартиры в 8,53 млн руб. (без учета взноса) составит примерно 141 000 руб. в месяц.
С учетом среднедушевые доходы населения в России 73 тысяч рублей в месяц, то позволить себе квартиру в 75 квадратов в РФ не сможет НИКТО НАХУЙ
В статье про ЕС говорят про треть доходов, а тут даже отдавая весь среднедушевой доход позволить себе квартиру 75 квадратов никто математически не сможет, кроме погрешности, доли населения.
>кроме погрешности, доли населения.
Так это давно известно
Как хорошо, что в России хватает.
Наиболее критическая ситуация складывается в крупных мегаполисах и туристических центрах. Около 60% горожан не могут позволить себе ипотеку даже на 50-метровую студию. Аренда малогабаритного жилья также съедает более трети доходов у четырех из десяти городских жителей. Главными очагами «жилищного кризиса» эксперты признали агломерации Парижа, Берлина и Мадрида, а также популярные страны Южной Европы — Испанию, Португалию и Грецию.
В сельской местности главная проблема заключается в острой нехватке предложений: почти треть деревенских жителей находится в зонах, где легальный рынок аренды попросту отсутствует. Авторы исследования отмечают многолетнее отставание роста зарплат от стоимости квадратных метров и призывают власти стимулировать покупательную способность граждан. Проблема продолжает усугубляться: по свежим данным Eurostat, только за первый квартал этого года цены на покупку европейского жилья выросли на 5,1%, а на аренду — на 3%.