Mortgage dreams

Credit housing is increasingly in demand, experts say. Only this year mortgages have begun to engage in 27 banks, and the number of loans increased by 23%. Do not doze and regulators, by 2030 the state plans to provide housing for about 60% of families. However, to achieve such a result will have much to do. As the results of a study conducted HMLA, most Russians of their own home even to dream is not necessary. Thus, the Agency for Housing Mortgage Lending (HMLA) during September-October 2010 survey of several thousand Russians in 92 cities across the country and find out who is a potential mortgage lender, what is his profile and preferences. For a start it is worth noting that only 11% of respondents felt the mortgage a good way to change their living conditions. For example, 35% of respondents admitted they would use it only in case of frustration. Another 25% suggested that it is another deception of ordinary citizens. Another 23% thought it was a good way, but with some drawbacks. As for the possibility of such a loan, 59% of Russians clearly said they did not consider a mortgage as a valid option. Do not know what a mortgage is 10% of the population, 6% said they would use a mortgage if interest rates have gone down, 3% - if you would lower the requirements for a down payment. Plan is to take a mortgage if they need to buy real estate, only 3% of Russians. Another interesting fact is that 85% of potential users have some savings. They mainly focused on real estate purchase or construction (44%), much less set aside for a rainy day (28%), repair (24%), domestic arrangement (23%) and car purchase (20%). Face mortgage borrower on the basis of the research analysts HMLA managed to draw a portrait of the mortgage borrower. Firstly, as it turned out, the mortgage, "a woman's face." For example, 67% of potential customers are women. The average income per family member was 20.1 thousand rubles. In addition, nearly half of borrowers (46%) to 30 years, most of them have higher education (59%) and 53% have children under the age of 18, 66% - are not alone. To date, the bulk of potential users of the mortgage can be attributed to the middle class. Thus, almost all of them are living in an apartment (77%), which belongs to them on the property (79%). Basically it is a 2-room apartment (42%), although the majority of potential borrowers are interested in three-room accommodation (32%). It is worth noting that the housing economy-class demand more than superior accommodation (60% vs. 32%). However, every other borrower is more focused on prime real estate market (48%). Criteria for the loan are going to take a mortgage, the Russians, first of all, pay attention to the interest rate (80%), initial payment and monthly payment. As regards interest, the most comfortable were considered 10%, with acceptable payment are 5-15 thousand rubles. per month, while the preferred payment period - 6 years or more (for 87%). According to those polled, the most expensive cost housing in Moscow (108 thousand rubles. For 1 sq. m.), in St. Petersburg (60 thousand rubles. For 1 sq. m.) and the Far East (58 thousand rubles. For 1 sq. m. .). Depending on a particular region varies significantly and the reasonable cost of housing. So, if in the Volga Federal District, for property acquired by people willing to pay 1.7 million rubles., Then in St. Petersburg - 3,2 million rubles., And in Moscow - and at 5.4 million rubles. If we take a concrete example, clients MDM Bank in the main draw up a mortgage for 1 million rubles. with an initial payment of 30% for 10 years, said the bank in its corporate edition. In this case, the financial institution does not rule out the possibility of granting the loan of 300 thousand to 4 million rubles. for a period of 3-20 years. Our loan amounts range from 1 million 200 thousand to 1 million 400 thousand rubles., Shared with bank.ru Advisor to the Chairman of the Board of AB Finance Bank Tatiana Schwab. According to her, the average mortgage is issued for 15 years with an initial payment of 30%. True, in September launched a new product with an initial payment of 10%. This project was in great demand, Schwab stressed, only the current date of issue on it was 17%. Yet not every Russian family by virtue of the "pull" a mortgage on the conditions that exist now. In order that prospective borrowers have moved into the category of real clients, you must take appropriate measures, in terms of both parties, said Director General of HMLA Semenyaka Alexander II on the Finance Forum in Russia. So, buyers need to reduce the cost per square meter of housing, and banks and investors - to minimize credit risks. To solve the accumulated problems, the government even adopted the Strategy of the mortgage. Particular emphasis will be placed on housing in the segment of economy class, because real estate has become more accessible to ordinary Russians, said Prime Minister Vladimir Putin.