And with it it is necessary to something to do, differently at present market conditions all conversations
on increase of availability of hypothecary credits are simply deprived any morgage rate.
Percent below, above Recently the average prices for habitation in New York have reached the price 2 thousand
dollars for square meter. For an one-room apartment on surburb of city sellers ask not less than 60-70 thousand
dollars. It is possible to take advantage of the hypothecary credit, certainly. But for this purpose it is
necessary to bring an initial payment (nearby 17,5 thousand dollars, or 15-20 % from cost of habitation),
and then within 10-15 years monthly to list bank about 600-700 dollars (at the rate of 10 % annual). It is
clear, that the majority of potential buyers of the real estate to play by such rules not that that do not
want, and simply are not ready: incomes do not allow. Instead of it they prefer to rent habitation or buy
apartments in New York suburbs-. There while it is possible to find variants for 30 thousand morgage rate.
" At present rates of a rise in prices on apartments decrease in rates for one or two percent does not lead to
appreciable increase in demand at hypothecary credits as it depends on an opportunity of the borrower to bring
monthly payments. And the size of payments, in turn, directly depends on market cost of the habitation got by
means of the mortgage ", - director of department of retail business of Bank of New York speaks the Novel of Sparrows.
Bankers approve, that until volumes of construction of habitation will start to increase essentially, decrease in
rates under credits will not lead to essential expansion of a circle of hypothecary borrowers and the market will
develop inertsionno.
Morgage Rate!
Now banks are compelled to compete with each other exclusively at a qualitative morgage rate - not so much credit products
as those, how many service services. That they also do: create the special consulting hypothecary centers, spin
networks of specialized hypothecary branches, equipping with their lot sejfovyh cells and convenient premises for
carrying out of hypothecary transactions (such tactics adheres, in particular, morgage rate). And some banks
and at all shift work on the organization of sales of hypothecary credits for agencies of the real estate,
actually refusing to work with clients directly, or trust business management to specialized retail sellers
(for example, Russian savings and loan association). " It is perspective business, and now it is a high time
to stake out a niche simply. However while volumes of hypothecary crediting are rather insignificant, therefore
and scales of business will be small ", - its direct participants make comments on occurrence in the market of
services of hypothecary crediting of the special broker companies. Thus attracts attention one important nuance.
The matter is that the overwhelming majority of hypothecary transactions consists in the secondary market of
habitation so, to the client the agency of the real estate is more convenient to address directly in friendly
to bank, than to independent intermediaries. And to count on essential growth of hypothecary transactions in
the secondary market it is not necessary. As banks are financed very reluctantly with alternative transactions,
which share on vtorichke is estimated in 75-80 percent. Creditors go on it only in the event that in a chain no
more than three apartments, but even such quantity to check it is very morgage rate. As a matter of fact, the
most part of habitation in the secondary market drops out of hypothecary schemes.
Morgage Rate!
As if to the market of new buildings here housing crediting has not got accustomed at all. According to Andrey
Krysina, in the primary market mainly large banks, and also the credit organizations directly connected with
building branch work. For example, the Savings Bank willingly finances citizens at a stage of construction of
the house, using as maintenance the guarantee of other physical persons (from 2 up to 4 person depending on the
sum of the credit). Some banks give out credits for purchase of a under construction habitation in houses which
are erected affilirovannye with them by builders or clients. Thus experts predict morgage rate of a share of new
buildings in the market of the mortgage. " Because of toughening the order of attraction of means of citizens in
housing construction the quantity of players in this market can be reduced. Many companies cannot simply observe
the requirement of the law " About participation in share construction " and work with morgage rate on the basis of this
document ", - Alexander Koloshenko believes.
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