Utilities will rise in price in 2027: analyst Khachatryan explained how not to overpay
Content:Why "communal" is better to repay on time If you need a loan What to do now: According to the preliminary forecast of the Ministry of Economic Development, in 2027, the average payment for utilities may grow by 11%
According to the preliminary forecast of the Ministry of Economic Development, in 2027, the average payment for utilities may grow by 11%. Financial marketplace Banki.ru analyzes in detail what this means for a family wallet.
The most noticeable jump is expected by electricity for the population - plus 14.4%. Heat energy will add 10.2%, water supply - 9.4%. If today, suppose, the amount in the receipt is 8 000 rubles, then in 2027 it will turn into 8 880 rubles. Inna Soldatenkova, Head of Banky.ru Expert Analytics, advises that the future growth of utility payments should be included in the family budget so that it does not become an unpleasant surprise.
Saving debts for housing and communal services is a bad idea, explains Banki.ru analyst Arthur Khachatryan. Formally, when calculating the debt load, banks do not take into account debts under housing and communal services, however, during a selective inspection, they study debts recovered through the court.
Moreover, the Bank of Russia in the draft “Main directions of financial market development for 2027-2029” proposes to oblige credit institutions to take into account “municipal” debts for which enforcement proceedings are opened. If the norm is adopted, borrowers will be more likely to be denied credit or approve smaller amounts.
Soldatenkova recommends looking first at the full cost of the loan, not just the interest rate. Before signing the contract, you should abandon the imposed paid services and carefully study the payment schedule and the amount of penalties for delay. An interest-free loan remains free exactly as long as the money is returned exactly on time - any delay nullifies the benefit.
