What do bankers and other market participants on the hottest events of the economy that occurred in a week? On the introduction of "public gathering" Regional Development prepared a bill according to which the apartment owners will be expected to pay for housing repairs. Right to regulate this process will give the regions. The funding system is likely to be different: the storage (due to the contributions of citizens), credit (monthly payments of citizens are going to repay the loan taken for repairs), or mixed. Irina Vorobyev, expert assessment of the Department of 2K Audit - Business Consulting / Morison International »: the bill of the new financing arrangements for major repairs is discussed in the government since last year. This is due to the fact that from 2013 Assistance Fund for Housing Reform, which was aimed at carrying out major repairs of homes at public expense, stops working. However, the number of houses requiring major repairs as soon as possible, remains enormous. Therefore, in 2013 citizens have to pay for major repairs on their own. Accumulate funds for major repairs will be regional funds, which themselves will determine what kind of house and at what time it is worth repairing. A similar system operates in Tatarstan. However, while it is voluntary. Apartment owners are expelled to 5 rubles per square meter. When the board is compulsory, and it is this amendment and suggest, in fact we get a new tax. The new bill leaves many questions and gives no guarantee that the house will be repaired. If the decision to overhaul will not be accepted by owners and officials, in what way the owners will be able to influence the list, timing and quality of work? Contributions for the repair becomes mandatory, it would be a poor citizens who do not have enough money? If you pay 5 rubles per square meter, the cost of tenants for the maintenance of the apartment will increase by 10-20%. Another problem is that the accumulated funds of owners will eat inflation. It is clear that a repair at their own expense to the owners not to leave, but the state could alleviate this burden to tenants. To do this, it would be better not to accumulate funds in any new fund, and make themselves the owners took out a bank loan to repair her home, but the state would be subsidizing the bid. So, at least, managed to avoid a fragmentation of funds and minimize corruption. At the same time by the owners of apartments to active and responsible approach to managing their home. For example, to choose the UK rather than take them imposed from above company. Maxim Mikhalev, director of marketing and sales CUSTIS: By itself, voiced the idea is not new. Currently, owners of flats and so monthly pay an average of 2 rubles. per square meter for overhaul. In the year the total amount of contributions to the country is at least 50 billion rubles. In theory, these funds must be accumulated during the lifetime of each house. Responsible for the accumulation of asset management companies (MC), which formally re-elected every year. And the systemic problem is that, on the one hand, there is no mechanism for transferring the accumulated charges from one another CC. However, the opacity of the management of these savings enables the UK to use the funds inappropriately. The appearance of this construction of the third player responsible for the collection and preservation of depreciation without creating a clear and transparent mechanism for interaction between all stakeholders utilities, the problem will be resolved. But the additional social tension will ease. Do not forget about another aspect of the problem: high wear large number of houses. In the run-down housing, usually live in less affluent populations, and to take advantage of the proposed mechanism they will have very little. About the passport of consumer credit Association of Regional Banks of Russia (Arbre) proposed to introduce a passport for consumer loans. If the initiative is approved, all information about credit borrowers will receive a special table. This will help potential customers to a more balanced assess their capabilities, as well as learn more about the terms of the loan agreement, the authors say. Stephen Boyer, head of strategic marketing and quality of the bank Societe Generale Vostok (BSGV): As participants in the market, we welcome any innovations to its transparency and security for the consumer. By these measures include the introduction of obligations to disclose the effective interest rate and total cost of credit. This has significantly reduced credit supply, in fact mislead consumers, causing dissatisfaction with services received and the negative attitude to the whole banking system as a whole. Unfortunately, our country remains a low level of financial literacy, so the majority of potential borrowers is very difficult to accurately assess and compare offers from several banks. Recently, a very large educational work carried out by the media, telling how to assess conditions and calculate mortgage payments. Thus, the proposal for standardization of presentation of information about the product as a whole is correct, although its implementation clearly come up against great difficulties due to differences in lending patterns by different banks. To date, the most effective and clear method of calculation is the total cost of credit, and "certification" may be a simple addition to a better understanding of consumers purchased services. Reduction in the small bank is the main regulator of the financial market in the face of the Central Bank of pushing lending institutions to accelerate the growth of capital, mergers and acquisitions. As a result, the number of small credit institutions in the coming years should be significantly reduced, and major market participants likely will evolve to the level of corporations. Andrey Nefedov, an analyst at financial services company "Ankorinvest": Of course, small banks are needed in any developed financial system, as they have a whole set of competitive advantages over the large network banks. In the end, are winning the final consumers and borrowers, as to attract the last few financial structures necessary to create a line of financial products and offer quality service with a much more favorable terms to somehow draw attention to himself. Of course, much nicer to become a client of a small network of banks and not to stand in long queues and cramped, on the other hand, it is often inconvenient to use in the city with only two or three accessible ATMs. Also do not forget to obtain a general license of the Central Bank of Russia for banking operations with the ability to work with individuals, requires implementation of a fairly rigid regulations for several years. Accordingly, if a small bank has a similar license, then it stands to be treated as a sufficiently credible financial structure that differs from the large network of banks only by the size of liquidity and range of services. It is also worth recalling that at the moment Russia has a deposit guarantee up to 700 thousand rubles, so that their risks in this case can always be minimized.
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