From April 1, the size of the minimum initial contribution of the program "Flat" and "Improvement of living conditions" reduced to 20% of the value of the property, the program "Residential property" up to 40%. Also, reduced rates on ruble mortgage on these products.
Due to the lack of "long" resources in the future, banks will be compelled to lend for shorter periods, and thus encourage its borrowers to return the loans ahead of schedule, offering more favorable terms.
The number of domestic banks willing to issue mortgages, is growing rapidly. However, they offer at the moment the conditions for potential borrowers "too tough".
Interest rates on mortgages in rubles has already fallen to 13,9% per annum, according to data of the Central Bank on March 1. This housing loans in the currency of some banks even at 11,4%, but demand for them there. However, experts are in no hurry to withdraw from the mortgage crisis.
Prices on real estate market motionless for six months - not least thanks to the "frozen" mortgage. Since our last review of credit in October, nothing has changed: make loans unit banks, and interest rates are still sky-high. And this situation seems a long time, as credit conditions are unlikely to change, writes today.
In mid-March this year, fixed mortgage rates in the Russian Federation - as a result of changes in rates by banks - have grown both in rubles and foreign currency.
The state is trying to promote a new flywheel mortgage and revive the mass construction. Receive or not depends largely on whether to ask her if people are buying homes.
Told members of the Association's Regional Construction Valery Levchenko, commenting on the statement by the Head of NBU Volodymyr Stelmakh after the meeting on March 25 on the financing of house construction, headed by the Minister of Regional Development and Construction Volodymyr Yatsuba and with the participation of representatives of the banking and construction sectors.
