Hostages of the mortgage Backwardness of mechanisms of sale and purchase of hypothecary apartments,
and also absence of schemes of refinancing before the given out credits - two additional problems
constraining development of the mortgage. Now the apartments got with use of hypothecary schemes, actually
drop out from the market for all term of crediting because to make with them transactions extremely inconveniently.
Mortage Loan Rates
Besides the citizens who have taken the loan under 15 % annual, will be compelled to pay the fixed percent even
under condition of decrease srednerynochnyh rates up to 7-8 %. It in the West perekreditovanie, that is replacement
of the old credit new under more low interests, - standard and an integral part of hypothecary programs whereas
at us similar transactions meet extremely seldom. " We refinansirovali the hypothecary credits which have been
given out by other banks. Usually it was a question of refinancing the credits which have been given out under
strongly overestimated rates. For mortage loan rates, to us clients who have taken the credit under more than 20 annual
interest rates in dollars " addressed, - Alexander Koloshenko speaks. But, according to our interlocutor,
for some reason borrowers extremely seldom are solved on similar steps if the prize in the rate makes 1-2 %.
Though in some cases the difference can be rather oshchutimoj.
Mortage Loan Rates
Perhaps, because the majority of participants of the market simply are not ready to render the clients such service.
" Banks at insignificant decrease in the interest rate hardly begin to entice clients at competitors as cannot cover
costs on realization of similar transactions ", - chairman of board of Russian savings and loan association Sergey
Korepanov believes. Besides as he said, it is impossible to dismiss and features of the Russian legislation.
In particular, risk of that in case of a default on refinansirovannomu to the credit it will be difficult to
creditor bank to move the borrower from the incorporated apartment. " I know, that some banks are going to
enter into a market refinancing. But while such transactions are individual, as banks are compelled to bear
technical risks ", - the president of the mortage loan rates savings and loan association Nikolay Shitov agrees with the colleague.
Meanwhile sooner or later to banks it is necessary not only to expand a ruler of credit products, but also to offer
clients service perekreditovanija. And the one who will make it the first, not only will strengthen the market
positions, but also can essentially increase a share of the market due to inflow of new clients.
The chance to get real competitive advantage is as well at those banks which will develop clear to all participants
of the market the mechanism of carrying out of transactions with the incorporated apartments. " Now theoretically
sale of the apartment burdened by the mortgage, is possible. However there is no unequivocal algorithm of actions,
in each concrete case the question is solved in the individual order ", - the head of a department of development
of business of bank " Delta-credit " Alexander Afanasev speaks. According to executive director of Company " is
easy-credit " Cyril Suslov to sell the incorporated apartment it is possible only with the consent of bank. "
In turn, the bank will agree to sale in case of occurrence at the mortage loan rates of financial difficulties or if the
borrower is measured to take in the same bank the following credit for a new apartment ", - our interlocutor explains.
Mortage Loan Rates
According to bankers, main zakovyka at fulfilment of transactions with hypothecary apartments - procedure of a
re-registration of the mortgage. Now for this purpose it is necessary to invent complex schemes which can be
realized only within the limits of mutual arrangements. " If our client takes the second credit and wishes to
sell the first apartment which is at bank in the mortgage with it there will be no problems. We shall allow to
make the transaction and we shall issue the new mortage. But it is easy osushchestvimo if calculations are
spent inside of one mortage loan rates. If the foreign bank all is much more complex is involved in the transaction. In
this case the creditor has a number of technical risks ", - tells Nikolay Shitov.
First of all, these risks are connected with the long period of registration of the mortgage in the state
registration service. In fact all over again the bank should remove the morgage - on it some weeks usually
leave, and then to issue new. For this time the unfair borrower can take away documents from registration and
resell already legally a pure apartment. " To remove this risk it is possible if to work procedure of simultaneous
removal of one mortgage and registration of another. This mortage loan rates, and, I hope, in due course it will be made ", - Shitov speaks.
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