Last year, the Russian mortgage market has decreased in 4,3 times in comparison with 2008. At the same time, the portfolio of the Savings Bank rose 1%. Its share in this market increased to 77%. This was stated today managing director of retail lending Savings Natalia Karaseva in the online-conference RIA Novosti. "In 2009, out of 130,000 mortgage loans issued 100,000 Sberbank. VTB issued 10,000 mortgages. The remaining share is mainly HMLA" - she explained. "Really now, give the mortgage banks 15-20. Sberbank of Russia as an active participant in the mortgage market following the introduction of new products by the relevant banks and trying to stay ahead of them," - noted Karasev. According to her, Russia's largest bank plans in 2010 to increase the volume of mortgage lending at least 6-7%. The bank's strategy involves the gradual liberalization of credit conditions this year. "Credit terms will be determined on an individual basis for each client and in this case, of course, credit history will play a major role," - said Karasyov. Meanwhile, this year, judging by the reply from the Savings Bank, wait for reduced rates on mortgages are not worth it, they are in "savings" and so from the perspective of the market are very low, said Karasyov. In addition, later this month Sberbank plans to lower interest rates on loans to refinance home loans.
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