University of Arizona sociologist Jane Zaviska published a study "Living conditions in the new Russia." Main idea of ??this work is that the mortgages in Russia not become popular because of the mentality and particularly socio-economic conditions, the newspaper RBC Daily. The first thing the Russians seriously differ from the Americans is the fact that until the early 90's housing was public. Behind him he had to stand in line, but the apartment was given. All that the government "new Russia" has managed to offset the possibility of the Soviet Union collapsed, is to allow the privatization of housing in which people lived at that time, the volume of social housing has decreased. Voltage, according to the American sociologist, and added that from 1992 to 2002 the volume of housing construction in Russia fell by 70%. The construction industry has actually serve the rich people, and promote the middle class. This contributed to the economic realities dashing 90: a certain stratum of the Russians quickly grew rich and could afford to buy an apartment for cash, that for Americans in wonder. In other words, if the U.S. 30-year mortgage - a natural part of life as a man, a Russian living in a loan - a very painful choice. Most people refuse to accept the prospect of a monthly deduction from the family budget a decent portion of income. Dared to buy an apartment on borrowed money in the bank or look like the heroes, or (more often) as a kamikaze. "Few Russians are willing to take a mortgage, because for them the risk is unacceptable weaning housing for late payments and because people see as an unfair interest, which they called an overpayment. As one Russian: "By taking a mortgage, becomes a slave. The next 30 years, your boss - the bank ", - said Jane Zaviska.
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