Most people in the area in the meantime can only dream of buying an apartment. Their average salary at the end of the year abroad will pass only 15 thousand rubles. To make a real improvement of living conditions in the area to develop targeted program "Housing" for 2006-2010. Thanks to the availability of per capita would rise from 24.6 to 29 kv. meters. To achieve this goal, the regional government plans to build 28 million square meters of housing, that will be spent on 74 318 million rubles.

29 thousand families celebrate new home will help, in particular, mortgage loans. Using them, the end of 2010 the inhabitants of the area will become 1713.6 thousand square meters of housing, the third part of which - the primary market. Overall, residents of Moscow Region will receive mortgage loans of 30 billion rubles. Until 3680 issued mortgage loans and loans for the first almost 4 billion rubles. In the future, the Government intends to have spent 5 billion rubles.

What exactly is different outside Moscow mortgage program from the others, spoke at a special conference of Deputy Director General Mortgage Corporation, Moscow Region Natalya Kulagina. She noted in particular that in Moscow you can buy the mortgage, even a room. In addition, borrowers are free to decide how much they pay for the credit, and how much income families leave to live. By federal standards, the same amount of the loan is strictly regulated and depends on how long people will be able to pay it, making no more than 50 percent of the total family income. Six months after the loan of the Moscow region can repay him and ahead of schedule, while the bank does not require a penalty. Loan amount not less than 30 per cent and not more than 90 percent of the cost of housing.

At least, on which the buyer can claim the flat, - 100 rubles, maximum - 16,2 million rubles. In addition, outside Moscow creditors pay attention not so much on the standard statement of earnings as income on the stability of the client, which is designed to test a range of activities. Nevertheless, the guarantee is not required.

And if the age of borrowers is defined from 18 to 75 years (at the time of repayment, they must be younger than the age limit line), the number of co-borrower may vary.

- We give one credit not only to relatives, even friends and neighbors at home who want to help, say, a young family to get his corner, - underlined N. Kulagina. - Will soon be introduced and a credit system for corporate customers - companies that build houses for employees.

The size of rate on the loan in accordance with the regional program, if not more than 50 per cent and given for 15 years, representing 11 per cent, but he could jump to 18 percent if the apartment in the house, which is still under construction. Housing becomes the property rights, as soon as he signed a contract of sale.

All this led to the fact that in 2006 the number of mortgage loans jumped in the Moscow region four times. The program is implemented in 58 cities and districts of Moscow region, but most borrow in Podolsk, Domodedovo, rail, Dubna, Kolomna, the Queen. The number of holders in the near future even better. Indeed, as noted at the conference will be to develop targeted mortgage program for municipalities and certain groups of people.