This is the 12247th most frequent Russian word.
ипотеке
The Russian word "ипотека" means "mortgage" in English.
In this sentence, "в ипотеке" is used to indicate that the acquisition of the apartment is being financed through a mortgage. Here, it denotes the context of payment or financial arrangement.
Я решил взять квартиру в ипотеке.
I decided to buy an apartment with a mortgage.
The word "по ипотеке" here refers to matters related to mortgages, in this case, the interest rates associated with mortgage loans.
Ставки по ипотеке сейчас стали ниже.
Mortgage rates have decreased now.
Using "по ипотеке" in this sentence describes the subject's action concerning the repayment of the mortgage loan, as in making regular payments towards it.