Hypothecary crediting yet did not become mass in USA because of low incomes of the population, high inflation and
absence of legal base. President USA Vladimir Putin has declared it, answering in direct and an air on questions USA.
The first circumstance and the most important - low incomes of the population, - has noted the head of the state. -
the second circumstance - a condition of economy and high inflation, in conditions of high inflation banks cannot
give low credits". The third, as he said, "absence of necessary legal base for development of this sort of activity".
Here all these and plus some other questions "are a subject to the best mortgagerefinancing". In view of the increased economic
opportunities of the state one of priority directions will be, " certainly, the decision of questions of
accessible habitation ", has continued V.Putin. " Certainly, you have correctly paid attention to hypothecary
system, it the most perspective though also social habitation it is not necessary to forget to the best mortgagerefinancing,
it will be under construction, - the president has told. - by the way to tell, state financing increases
for, say, housing maintenance of invalids of Great Domestic war in times from next year, in times, I wish
to emphasize it "." At us there was, in my opinion, all 200 million on this year, on the following there
will be 3 billion through budgets of the Russian Federation, - has assured V.Putin. - I Wish to pay to this
attention, by the way, the veteran organizations "." As to the best mortgagerefinancing here it is supposed to solve at
once some questions, - has informed V.Putin. - the First question: we shall add money in the authorized
capital of Agency on hypothecary housing crediting. And for the first time we shall allocate nearby 15 billion dollars,
14,8 in my opinion, for the state guarantees of these best mortgagerefinancing"."To what, in opinion of experts of the government,
it should result? - it has noted. Is 7-8 years, as now, and 20-25-30 years should lead to lengthening of terms
of hypothecary crediting, not. The first and the second should lead to reduction in price of hypothecary credits.
Significally, to reduction in price ".
" If in it to year we make out all 40 thousand hypothecary credits, it is supposed, that to 8-parts
- 10-parts to year, most likely, to 10 years, the number of the given out hypothecary credits should make
not less than 1 million a year ", - the president believes. Within the limits of the program for village
and for young families, it has continued, " subsidizing rates of hypothecary credits and delivery of
public funds is supposed that the person could or receive this money, add the and at once buy an apartment,
or use these received public funds in the form of the grant to bring it as an initial payment for the
hypothecary credit "." We plan to make it on regions of the Russian Federation in various scale, - has
explained the head of the state. - somewhere on any areas it will be 50 on 50, that is up to 50 % the
person can receive in the form of grants from the state, and 50 % should receive in the form of the
credit or enclose the money ".
Best mortgagerefinancing
And in any places, the president has emphasized, " it first of all is
a question of village, or about depressive regions, 100 % subsidizing with the right of reception by
the person of this habitation on the right of hiring with the subsequent opportunity of the repayment
of this habitation " there are supposed. It concerns, " I repeat, depressive regions and village, young
families and experts on village ", has emphasized V.Putin.
For 9 months 2005 3,5 thousand juzhnouraltsev have already taken advantage of hypothecary housing credits,
up to the end of year is planned to give out 5 best mortgagerefinancing, and in 2010 - 40 thousand. While for all 2004 1 400
credits have been issued only. As have informed correspondent IA REGNUM in the press-service of the governor
of the Chelyabinsk area, it became possible owing to that the authorized capital of regional agency on
hypothecary housing crediting under the decision of governor best mortgagerefinancing has been increased in 2005 from
108 million up to 1 billion roubles. Such dynamics speaks that the mortgage becomes more and more accessible.
For two years the interest rate has decreased from 20 % to 14 %, term of crediting is increased till 30 years,
to bring payments it is possible not up to a pension age, and till 75 years. The average best mortgagerefinancing of the credit
today makes 300 thousand roubles. The government and heads of banks of the Saratov area on Tuesday have signed
the agreement " About cooperation on development of system of long-term hypothecary crediting within the limits
of the program of the social mortgage ".
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