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.

"An acceptable level of rates for borrowers, about 12-15% per annum can be achieved only with low inflation and adequate liquidity. This year we expect to reduce inflation to 9,5%, but with hryvnya resources will be tight: loan money from banks will "pick up" a government which, according to our expectations, continue to attract high-interest state bonds. So until mid-year rate mortgage are still high ", - says Alexey Zerkalov of IR Dragon Capital.

WHAT? WHERE? How much?

In the autumn the number of banks, which promise a mortgage has risen. Their was 20. But does this 20-ka really loans - an enigma. Director of the company "KreditSvit" Love Slobodenyuk told us that today is actually only a handful of banks issuing mortgages, and the rest only at this advertised and for a month or two delay the consideration of applications. Couple kreditchikov banks admitted to us that satisfy 1-2 applications of 10, not more.

It is not surprising, because in six months the requirements to borrowers relented: Banks continue to take into account only the official income (they should be 2 times larger payment on the loan), require dopzalog and surety. A board member of the "Erste Bank" Svetlana Scribbles told us that the bankers today are studying not only the borrower, but also his business.

By checking the borrower experience (he was not less than 1-2 years at current employment) for the company - financial condition. Incidentally, in the same bank have been warned not to lend to employees of state enterprises and employment in real estate.

The credits. As before, take on the "primary" can only be if the house has already delivered or if the bank finances its construction.

In than loans. Loans continue to give only in UAH, as currency loans allowed the NBU.

Under any Interest. Interest rates on mortgages now from 11 to 40% per annum. But too low rates to fear, because it means that most likely will be the monthly commissions that have caught up with real-time rather than, for example, 15% with a monthly commission of 0.94% of loan amount up to 38% per annum.

For how long. Still 6 banks lend money to housing for 20-30 years, and most give credit for 10-15 years - no more.

With what ASSESSMENTS. As the autumn, the mortgage is only available to those who have saved 40-50% of the cost of housing desired.

TOTAL. Apartment for $ 60 thousand (480 thousand UAH.) Loans for 15 years at 26% per annum would cost 960 thousand UAH. at maturity is the standard and 1,2 million - in the annuity (equal installments).