As have informed agency " Interfax-Volga region " in economic management GU the Central Bank of the
Russian Federation on the Saratov area, under the agreement Dmitry Fedotov, chairman GU the Central Bank
of the Russian Federation on area Jury Zelensky, and also heads of the seven banks acting on territories
of region - branch of the Savings Bank of Russia, home mortage loan region Deutsche Bank, bank " Express train-o"?ua ",
Volgoinvestbank, the Hard-bank, ?o-BANK and Balakovsky branch of bank " Sofia " have put the signature
minister of construction and housing and communal services of area. At J.Zelensky's ceremony has informed,
that with signing the agreement in the Saratov area formation of the program of the social mortgage is
completed, the order of interaction of banks, citizens and the ministries of construction and housing
and communal services is certain at delivery of hypothecary credits and subsequent partial indemnification of their cost.
According to the regional ministry of construction and housing and communal services, the social
mortgage in region operate since September, 1st of current year, for this time in the ministry has
addressed 207 person, from them 20 have already received the information entitling hypothecary crediting.
In total in 2005 the budget of area can compensate 50 % of the rate under credits for 307 borrowers.
In turn, minister of construction and housing and communal services of area of D.Fedotov, has informed
during action, that the regional government in following year plans to provide indemnification more than
1000 hypothecary credits, for these purposes in the budget for 2006 will be incorporated the order 25
million roubles. Not less than one million credits a year - such home mortage loan was established recently for the
mortgage by the president of the country Vladimir Putin. To fly up above a today's mark in forty thousand
hypothecary credits it is ordered by 2010. Time for preparation for jerk in view of a present condition
is released, so to say. At first sight the market of hypothecary crediting grows quickly enough - the total
of the given out credits annually increases twice. In a hypothecary field the Savings Bank, "Delta-credit",
Rajffajzenbank, Vneshtorgbank especially succeed, the City savings and loan association - a total volume
of the credits given out by them for three years exceeds 1 billion dollars, and it about 50 percent of
all hypothecary market. There is all the bases to count, that in it to year leaders at least will double
the credit portfolios. So, according to the head of home mortage loan on work with Rajffajzenbanka Alexander
Koloshenko's physical persons, on the beginning of September it is given already out nearby 65 million
dollars of hypothecary credits whereas for all last year on realization of hypothecary programs by bank
71 million dollars has been directed.
Home Mortage Loan.
It is supposed, that all in it to year it will be given out nearby 1 billion dollars of hypothecary credits.
And though it is not enough and on volumes of hypothecary crediting we lag behind not only the western countries,
but also some states CIS, optimists consider, that rapid growth of the mortgage not far off, there are supposedly
for this purpose preconditions. So, the president European home mortage loan bank Andrey Krysin speaks, that
recently in the market of hypothecary crediting there were many new players, the competition has become
aggravated, and conditions of hypothecary crediting were already noticeably softened.
For example, Home Mortage Loan.
For example, if
two-rub years back hypothecary credits were offered under 14-15 annual interest rates now the loan can be
received under 10-12 percent. Terms of crediting have increased also: some banks offer the mortgage for 15-20 years.
However, bankers prefer to hold back that the market of the mortgage till now remains not only very small
on volume, but also narrow on scope: to the category hypothecary concerns less than 10 % of transactions in
the market of the real estate. It is considered to be, that the basic barrier constraining development of
housing crediting, absence at banks of mechanisms of attraction of long-term financing for realization of
hypothecary programs is. However at home mortage loan this problem can be solved, having eliminated the legislative
obstacles, stirring to banks to let out hypothecary securities. Besides it is possible to develop schemes
of refinancing of the mortgage in the West: for example, by means of release there eurobonds. In our opinion,
there is one more much more serious home mortage loan constraining development of the mortgage: deficiency of habitation
and a rise in prices on it on 20-30 % a home mortage loan.
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