Analysts pointed out the dependence of the number of dependents of a potential borrower on the size of the bank issued the loan. It turns out that the more kids client, the more limited amount of mortgage loans, according to Vedomosti, citing "Ipotek.ru. Thus, the income is reduced by an amount proportional to the number of dependents. Typically, this amount varies from 5 to 10 thousand rubles. per month for each unemployed family member. And if the borrower has several children, for example, three of them, the amount of his income when considering the bank is reduced by 15 - 30 thousand rubles. That in terms of all time, the loan amount from 160 thousand rubles. up to 1.2 million rubles. Reluctance of banks to lend to borrowers who have children, CEO of Ipotek.ru Dmitry Ovsyannikov explains that if a man whose family is in full charge of its (non-working wife and children), suddenly loses his job or for whatever reasons, the amount his income will drop, then, first of all, it will help their children and not pay. So in this case, lenders are trying not to take risks, preferring to childless clients. Therefore, on the one hand, banks have really improved credit conditions, but on the other, making all sorts of restrictions. Meanwhile bank.ru conducted a recent study and found that in our country, the mortgage is not available 97% of Russians. As a rule, it is connected with low incomes, high interest rates and "bite" real estate prices.
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