The European Commission reports that wish to receive credit for a mortgage will prove their solvency. In all countries of the EU Commission's new proposal is awaiting approval, after which it will be sent to the European Parliament. Commissioner to the UK market, Michael Barnir reports that strongly cross-checked to be loans that are issued for the acquisition of new properties and renovating existing ones. In addition, the new proposal will be reviewed loans secured by real estate purchased by the mortgage. Individuals who purchase property for the first time, and those with low incomes will be inspected first. In the sector of the EU economy brewing discontent over the bill. Many believe that the solvency test, conducted in addition, may lead to a decrease in requests for loans. Elena Tartynskaya, a leading specialist of lending to individuals ROSAVTOBANKA, commented on the news: "At the moment the mortgage is a relatively new concept, but one of the fastest growing sectors in the Russian market. This theme is very topical and widely discussed as the legislature, and direct consumers of mortgages. Around the world financial market is the most profitable and fastest growing. In connection with the appearance and growing demand, banks are creating their mortgage programs and master a niche mortgage lending. Most of this is obtained, and they capture certain segments, so the competition from year to year is heating up. Major role in attracting customers now are interest rates and short terms of credit, which reduces the analysis of the creditworthiness of the borrower. In the near future, due to improved financial situation in Russia and the stabilization of the income of potential borrowers, we can expect the mass emergence of mortgage loans with longer terms and the service will be in demand by borrowers. Therefore, the development of European scenarios for Russia, we see it unlikely. "
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