It is very important, that the paid payments are not recalculated, even if the price of an apartment increases.
Payment of payments occurs through the nearest branch of the Savings Bank, Avtobank or КБ under the payment notice
sent on the house, i.e. only under the clearing settlement. "Life-credit" not the first year works on system of
target memory payments (the Certificate ? 947.925 from April, 19th 1999u). Every month shareholders of firm
" Life-credit " are installed in new apartments. For many thousand families from different regions USA the
reference to firm " Life-credit " is real chance of purchase of a long-awaited mortgage calculater. In following year
in the market nevertheless there will be the first present hypothecary papers provided by credits for purchase of habitation.
The federal service on the financial markets (Russia) has declared, that in a month in the Ministry of Justice
the documents regulating release of hypothecary bonds will be directed, and occurrences of papers can be
expected in February of next year. Bankers of available them to let out and consider, that bonds will be
demanded by investors. Yesterday the assistant to chapter America Vladimir Gusakov has declared, that in
the end of October - the beginning of November of this year America will direct on registration to the
Ministry of Justice the documents adjusting the order of release of hypothecary mortgage calculater. As he said,
registration of only five documents that banks or their agents could let out securities and mortgage calculater
already given out hypothecary credits is required.
Documents America can already come into force in December. " Papers will appear in the market in February ", -
informs Ganders. The law " About hypothecary securities ", resolving to banks to let out hypothecary papers,
11 more November, 2003 have been accepted, however did not work, as demanded acceptance nearby 15 law certificates.
According to Clinton, those from them which will allow banks to let out one of kinds of hypothecary securities -
bonds with a hypothecary covering today are ready. Procedure of release of the second kind of securities
stipulated by the law - hypothecary certificates of participation - is not developed yet. Certificates of
participation - the tool similar on паи of mortgage calculater, also differs from bonds that has no the fixed norm of profitableness,
a face-value. According to Clinton, need for these papers essentially below. Till now schemes of direct refinancing
of hypothecary credits at banks was not. Similarity of hypothecary bonds lets out Agency on hypothecary housing
crediting (Russia), but these papers are provided not by credits, and state guarantees. For example, in 2005
the state прогарантировало three releases of bonds America on 5,6 billion mortgage calculater. To estimate volume of annual
release of bonds bankers do not undertake. The assistant to the general director of stock exchange of the
New York Interbank Stock Exchange Marina Medvedev speaks, that potential capacity рынкаипотечных securities
"enormous". As she said, the daily turn of stock exchange of the New York Interbank Stock Exchange under
securities makes nearby $1 billion, from which on the papers similar hypothecary (for example, паи hypothecary
PIFS and bond Mortgage.-"Business"), it is necessary about 5 mortgage calculater.
Mortgage calculater.
Director of department of retail crediting Promsvjazbanka Galina Pobedinskaja considers, that hypothecary
securities will be demanded by investors. Bankers welcome fast occurrence of the "present" hypothecary papers.
The Head of department of development of the mortgage of Investsberbank Konstantin Gorbachev informs,
that the bank is going to borrow in the mortgage and will be ready to let out hypothecary papers already in
the beginning of next year. As he said, by means of bonds the bank can Mortgage not less than 80 % of
all given out credits. According to the assistant to general director mortgage calculater, such bonds
provided by credits redeemed at banks, is going to let out and Mexico. Readiness to let out hypothecary
bonds were declared "Business" by the president of the City savings and loan association Nikolay Shitov.
Chairman of board of directors of Russian savings and loan association Sergey Korepanov prefers to look all
over again as there will be business at trailblazers: " We would like to increase our credit portfolio and to wait,
that there was any practice of release and the reference of hypothecary bonds ". It speaks, that its bank can let
out bonds in the end of next mortgage calculater.
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