Yes, nobody argues what to bring at once 50 motgage loans the smaller quantity of our fellow citizens is capable
many times over, but also to pay every month on 320 dollars - far not the most pleasant event.
Besides it is not necessary to forget, what even provided enough Russians cannot take the hypothecary credit
in view of "grey" or "black" salaries, under which banks finance very reluctantly, and the some people in
general otkreshchivajutsja from consideration of similar motgage loan. Investment appeal now also is not a
determinative as the prices for habitation have now ceased to grow such rates as earlier. And if three-five
more years back purchase of an apartment under the mortgage could pay back itself when the prices for habitation
grew on 30-50 % a year, and to make a profit, now is only a Utopia. Probably, that to end of term of the credit
the bought apartment also will cost the same 90 or 110 thousand dollars, but it will be already other money.
A sight in prospect Obviously, that from the developed situation it is necessary to search for an output.
In duplicating the mortgage could result decrease in interest rates, but market condition does not allow banks of
it to do: high inflation, deficiency of "long" money and risk of a non-return do not give an opportunity to banks
to reduce the rate. And to do it they do not test special desire. Probably, creation of a bureau of credit histories
can solve a problem of a non-return. " With creation of a bureau of credit histories the situation should change
in the best party. The quantity of clients which take hypothecary credits, increases every day, means, in the
near future the bureau of credit histories will possess good statistics. On its basis banks can draw a conclusion,
what groups of the population the least brave, and, hence, can offer them the best conditions of crediting ", -
Paul Komolov believes. Besides the state at the decision of the given motgage loan should not limit the role to only
loud applications from high tribunes.
Motgage Loan!
" Completion of existing legislative base is necessary (instead of acceptance of laws and-?n 214-oc which only
aggravates a situation and threaten to lead to an additional rise in prices - the Comment avt.), Which would facilitate
release and the free reference of pools of hypothecary securities., both the precise and rigid laws providing
various measures of the responsibility are necessary for banks, and for borrowers. Nothing renders so strong
influence on rates as risks, - Paul Komolov ascertains. - In the USA, for example, there is such state organization,
as FHA (Federal Housing Administration). Banks, her accredited, objazyvajut the clients to list in FHA 0,5 % from
the sum of the received credit. In case of if the client cannot extinguish the motgage loan, and its apartment in turn
cannot sell by auction, the real estate is transferred in possession FHA. The organization returns to bank not paid
credit and already at own discretion disposes of object. Presence of the state guarantor favourably and to banks,
they as much as possible reduce the risks, and to the state as precedents when the apartment is not on sale from
auction, very little, and 0,5 % "drip" from each given out credit.
Motgage Loan!
Further popularization of the mortgage among citizens is necessary. A precise and clear explanation of its pluss
and minuses, instead of abstract conversations on how it is good. And here to be engaged in hypothecary crediting
to realtors that occurs at times now, - it is incorrect, as, according to Komolova, " it is not necessary to hope
for objectivity and full observance of interests of the client if the mortgage undertakes rielter "." As a result,
it is necessary to unite efforts of the state and participants of the market not in words, and in practice. Interactions
and a synergy of two parties at all levels are necessary. From the state necessarily partial regulation of the given
sector of the market, and at times even direct intervention ", - motgage loan. For now it is not present, the
mortgage remains inaccessible to the majority of our fellow citizens, and all today's conversations and disputes
on its development remind any scholastic discussion of an antiquity which as we remember, good did not come to
an end with anything more. The continuous demagogy … However, hope still is! How the priority national project
will be realized, the head of Federal agency on construction and housing and communal motgage loan Sergey Kruglik tells.
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