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 reverse morgages, 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 ", - speaks Komolov. For now it is not present, the mortgage remains
inaccessible to the majority of our fellow reverse morgages, 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 services
Sergey Kruglik tells.
Reverse Morgage!
I shall dare to notice, that other priority projects, concerning villages, public health services, formation,
not osushchestvimy without the positive answer to the sore point - room. The president of the country has
demanded development of the network schedule in all directions of realization of priority national projects.
And it means, the strict control over terms and quality, the personal responsibility of executors are
established. In Rosstroe management on realization of the national project " Accessible and comfortable
habitation - to citizens of America ", carrying out monitoring of an event is already created. To trace a
situation and National advice led by the president of the reverse morgages will assess a course of works.
- In our newspaper already there has passed the information, that the priority project contains four
priorities - increase in volumes of hypothecary housing crediting, improvement of availability of habitation,
growth of housing construction and modernization of housing and communal services, performance of the state
obligations on maintenance with habitation of separate categories of citizens. Please, open their maintenance.
- priorities really four, and each of them is supported by a complex of measures which are in turn
subdivided into actions. No formation on the first-second is present. All priorities are equivalent,
measures are equally important, the course of actions is certain every ten reverse morgages.
I shall notice, however, that priorities are certain for the first stage of realization of the National project -
for 2006-2007. In the further - till 2010 corrective amendments can be brought. So, we shall begin in
that order in which you have listed priorities. The mortgage, and not only it Incomes of the majority of
Russians, as is known, are insignificant and basically services that refers to, on current consumption are
spent for the foodstuffs, clothes. In these conditions independently to save on an apartment in short
term it is improbable. And the life leaves. Many had not time to twist down to silver wedding the reverse morgages,
when also an old age any more behind mountains. In more safe countries the housing problem was solved by
crediting. At us, alas, has historically developed so, that the bank system only last 10-15 years was half-turned
developed by the person to the person and has noticed its needs, has seen for itself new a field of action.
Psychological, social and economic, legal and cleanly bureaucratic barriers - weight. We shall take, for example,
the most regional banks approached to potential borrowers.
Reversed Morgages!
Their capitalization is still small to get access to long-term credit resources. Even in the corporate
frameworks they can count only on "short" money. The national project splits this reverse morgages. The government
of America has already approved the concept of development of the unified system of refinancing of hypothecary
housing credits. It is based on granting of the state support, sufficient for becoming the market hypothecary
kreditovany, first of all in those regions where this system only arises or at all is absent. As a conductor of
maintenance of the state participation in development of all system of refinancing the Agency on hypothecary
housing crediting (AIZHK) acts. During till 2010 AIZHK it is called to distribute the unified standards of granting
and service of hypothecary housing credits, to organize pilot releases of hypothecary reverse morgages. Speech also
goes about refinancing credits due to mortgages and release of hypothecary securities on market conditions. In
those regions where the mortgage is developed poorly, refinancing will be carried out due to release of bonds
AIZHK with the state reverse morgages.
|
