Optimum Mortgage

On Thursday 26 May, Moscow hosted the conference "Successful solutions for retail banks, including: attracting and retaining customers." Apart from the problems of the moment the representatives of the banking community have also discussed many issues in what is called Financial Futures. Maria Florenteva, managing partner Bank.ru, has presented results of a study whose aim was to find out what users see Runet Russian banking system in 2020. The results suggest that in future any three trends: the dominance of remote banking, changes in the structure of bank branches (they will be less) growth in the penetration of credit products. As for mortgages, approximately 34% of users surveyed are confident that after 10 years the penetration rate of mortgages in Russia closer to that of more developed markets. It is obvious that the problem of affordability of housing in Russia did not lose the sharpness or eight or twenty years later. Therefore, we asked Victor Pogodin, Deputy Director of the Marketing Center of Bank of Moscow, may be naive, but very relevant for most Russians the question: when, finally, the national mortgage becomes available? According to the expert, general availability of mortgage, of course, is highly desirable for the Russians, however, in addressing this issue must take into account the negative experience of the U.S. and other foreign countries. If banks are to lend without a detailed analysis of each borrower, there is a danger of the repetition of the crisis, which started in America because of the mortgage bubble. It was very easy to get a mortgage, they were given almost everyone, but we know the result. Generally, the slogan "Every family - Mortgage" in this sense can be very dangerous for the economy. That is, banks should always give appropriate attention to risk assessment.