Banking institutions in order to minimize its risk in the early months of the crisis have been forced to change the terms of lending. Were significantly increased dimensions of the initial contribution (up to 30% -50%) and interest rates mortgages for apartments in Moscow, in addition, banks have to lend 50% -70 -% of the price, not the 90% -100%, as before. This led to the fact that the number of families that can afford Mortgages, declined sharply, despite the fact that the cost of apartments in Moscow for the last year has not changed. According to the Central Bank, the credit system of buying property in Moscow for the first five months of the current the year 2741 took the buyer (the total loan amount – 7.3 billion rubles). Expert on growth strategy may find this interesting as well. Whereas in the past year, almost the same number of credits – 2176 – been issued monthly. It makes sense to take the credit if the dwelling is not acquired for the purpose resale, and to stay, given the fact that potential buyers are able to accumulate the amount of several million rubles for a down payment. On the background of the fallen of income for most Russians Mortgage lending can hardly be considered the best option of buying an apartment in Moscow. The reality is that to issue a mortgage loan today can be a family, the monthly gross income that is not less than 150,000 rubles, and at the same solvent family members believe that in the future of their revenues dwindle..