How many people see a mortgage?

When it comes to talking about their home, many are planning to take a mortgage in the future. But it's more like self-deception. After all, if you believe the research, mortgage in our country is only available units. At the end of 2008 the bank «Credit Suisse» has conducted a study and found that the mortgage in this country can afford only 3% of the population. These findings are confirmed by our survey population. Thus, the majority of respondents (45%) the cause of unavailability of mortgage called the low income population, yet 33% rebelled interest rates, while 17% do not like high prices. Mortgage loan could afford only the remaining few percent. They do well overseas with the mortgage situation in Portugal. There are loans issued under the 2.75 - 6.15% per annum. In a crisis the Greek average rate stands at 4,5-8%, in France - 3,15-5,1%, in Germany 3,85-4,75%, while in the U.S. - 6-7,5%. By reducing interest rates and rising incomes managing partner of «Web Media Group» Maria Florenteva predicts growth in mortgage lending, and for us. According to her, in Russia there is great potential for growth in demand for housing, as obsolete housing stock is about 60%. In addition, the residential area per capita is only 70% of average. This use developers and brokers who dictate their market prices. Chances are, experts say there are problems, but they can be solved. As noted by the head of the Directorate of Product Development "TCB" Igor Antonov, one of the outputs can be the appearance of cheap money. A deputy head of retail lending "Master Bank" Yulia Borodina has already noted the positive changes brought about by the end of the crisis: "Thanks to the efforts of the government, mortgage rates potepenno went down after rate refinsirovaniya CB. And home prices do not grow at the pace that earlier. "