This situation requires the emergence of new schemes that allow to overcome such difficulties. According to experts, is increasingly relevant over time, may acquire the Lombard lending scheme. If you change the housing of the main principle - the design of a pledge not purchased, and the old, selling apartments. If there is a surcharge for buying new, you can use borrowed funds to buy new home safely, make repairs, move and sell the old apartment, pay off the bank. The stumbling block for such technologies is only one thing - selling the mortgaged flats. Nevertheless, the market learns to overcome bureaucratic barriers. And the banks, going to such schemes, it becomes more and more.

Specialists in different assessments possible Lombard lending, but many of them note: positive that the scheme becomes greater. This means that opportunities too. For example, a bank DeltaCredit this service came a year ago. When issuing a credit on the mortgage program does not require confirmation of the targeted use of credit resources. However, the prerequisite for obtaining such a loan is to support the client's solvency.

Today in the banks, said in DeltaCredit, there are many restrictions on the acquisition of various real estate loans. For example, few banks provide mortgage loans to the suburban (houses, cottages, land) and commercial property (offices, warehouses, etc.). In addition, not all banks are issuing mortgage, if the accommodation is located in the newly constructed (in an unfinished stage of construction). Lombard mortgage allows borrowers to circumvent these obstacles, to get bail of his own apartment and get a loan is exactly what he needed.

Earner

No `` pawn transactions are not very much. Primarily this is due to the psychological barrier, which is the borrower: still hard to lay their only shelter in the pawnshop. In addition, some customers often do nothing to build. However, we can say that the collateral loan mortgage is already actively used in the market of new buildings.

The same was said Vadim Martynenko, head of the Department of the secondary market corporations Reskor ``. Today, many would like to exchange their old home under construction. However, developers usually require payment after signing the contract been received very quickly - within 5 - 10 days, and traditional technologies of the secondary sale of apartments here do not have time. If the banks will be able to work quickly - their new product will be in demand.

Proposed banks Lombard loans are suitable for the secondary market, 'unleashing' chains, said the company `Reskor`. Man is not simply lays flat, the money gets to the new, and then sells its old already as free. Given the growth of the market, he can still get some income - because it would be to sell their homes later.

Lombard mortgage - an excellent alternative to conventional consumer loans, they say in the City Mortgage Bank. The main advantages of non-target mortgage Head of Business Development City Mortgage Bank, Mikhail Bulgakov describes the following:

As a rule, significantly lower interest rates (for example, the minimum interest rate on such loans can be only 12.25% for loans in rubles and 9.9% for loans in dollars);

significantly more lending period (up to 25 years), and, consequently, lower monthly payment;

for purposes other mortgage loans you can get loans on very large amounts (for example, the maximum amount of ruble credits may be 15 000 000 rubles, and on dollar 500 000 U.S. dollars);

minimum time required for execution (such a loan can actually draw in just 3 - 5 working days).

The company `` Reskor, however, note that a large effect on the secondary market for this novelty will not: the same way as a conventional mortgage, it requires a certain amount of trouble and interest payments. As for fears that the pawn-shop credits will raise a new wave of crime in the market (portrayed in the idea that people would lay flat and guzzle away money), then it says Vadim Martynenko, hard to believe. As we get accustomed to the regular mortgage, the banks are oriented to the fact that the customer still paid on the loan. Yes, there are flat in the pledge, but prospects for its implementation - this is only an extreme case. Basically the same bank is counting on the borrower's income and carefully examine its ability to pay - not to bother then with the courts ... So Lombard loans banks will give the same conditions.

`` How to unfreeze the money?

Still, most experts tend to believe that the direction is very promising. After all, with the help of such loans, with elements of the pawnshop can be separated in time the so-called alternative when simultaneously sell the old apartment and bought a new surcharge. With the help of pawn loans is possible to first buy a new apartment, and then, without haste, without building a kilometer chain, with a high probability of loss of any of the links in the last minute to sell the old and to settle accounts with the bank. Time, of course, for such loans, according to vice president `BEST Real Estate` Vladimir Lopatin. Market assess them.