Why in the Russian mortgage rates higher than in Europe?

Wealthy Europeans and Americans pay for the mortgage of 5-6%, but with our bankers are somehow "shake" at least 13%. When will this "lawless" and comes, finally, the "mortgage paradise" in our country? Embers of an old "campfire discussions threw Vladimir Putin said recently that the interest rate on mortgages in Russia should be 5-6%. We somehow do not mind, but only, according to rinuvshihsya discuss this subject experts await this "miracle" we still have a long time. High inflation Experts claim that the mortgage rates, even if very willing, will not be able to fall below the refinancing rate, which now stands at 8.25% and inflation - 6,5-7,5%. Note also that we still have inflation low by the crisis has passed. As soon as his influence over, inflation is once again growing, and with it, hence the interest rate. A chance for salvation, but little hope there is still the case if the state will bring in mortgage projects their money and set rules that do not depend on the market. For example, in Moscow, the program works, "Social mortgage", on which the metropolitan officials to subsidize the waiting cost per square meter. And in 2010 the federal government through Vneshekonombank sent 250 billion rubles. on the mortgage program to support new buildings. The project can get a loan for housing under construction in the banks that cooperate with the Agency for Housing Mortgage Lending (HMLA).