This spring, the real estate market is waiting for a new event: the long-awaited amendments to the Federal Law № 214 "On the equity participation in the construction. In late February, President-hotel held a regular meeting of the International Mortgage Club, at which participants discussed the future perspective of the Federal Law № 214: Will this law after the amendments, finally, to the workers. In addition, many issues had been paid and news mortgage.

Statistics "twisted" laws

First discussed amendments to the famous, notorious FZ № 214 "On the equity participation in the construction. Duma deputy, member of the Committee on Budget and Taxation Alexander Kogan said that the draft amendment has caused serious concerns Economic Development and the Ministry of Regional Development. Today, in his view, the relative consensus is found, and the first reading of the draft will be held in March and the second - probably in April, so that, Kogan said: "It is hoped that the Law № 214 finally will soon be working . Of course, immediately followed by a sarcastic question from the audience, and why the State Duma takes so many non-business laws? At this Kogan said reasonably, that one of the reasons, of course, is completely distorted statistics, which are forced to use experts and MPs. For example, and which today our population incomes and who and how you count them? Banks operating in the mortgage market, do not hide what they have learned to work not only with gray, but even with the black income. For example, a bank employee often comes to work for a potential client and asked the Chief of the direct question: "And how your staff gets the truth?", And then works with the client, based on this information. Perhaps this is correct: the mortgage must be developed, and the client either not guilty: he gladly would have received a white wages, but he had nobody offers. But it is curious that in this way is as if the de facto legalization of illegal incomes. This situation, according to A. Kogan, should gradually change. Then it will be the normal statistics, and a normal assessment of what is actually happening in the country. Like when someone cleverly said on the sidelines: "What is happening in Russia today is very similar to the translated S. Marshak English nursery rhyme:" There was a man - twisted legs, and he walked a century withered on track. "

"Crooked" statistics generates "twisted" the laws, they "contorted" work, creating, in turn, "twisted" relationship in society, "twisted" the results of these relations diligently recorded the statistics and so on in a circle (or rather - in a spiral , driving one this very seamlessly statistics to the level of annual reports of the Ministry of Plenty from the notorious works).

Late mortgage euphoria

Next, Kogan said that in his opinion, the euphoria over the fact that with the mortgage we are fully able to solve the housing problems of population, is over. Certainly, the mortgage is now progressing very well, and as Rapporteur stressed, this is the great merit of the International Mortgage Club and its members. But as it became apparent that a mortgage does not go, because massive mortgage - a massive middle class, and 70% of Russia's population do not have any savings. It was therefore decided to begin drafting legislation on the activities of building and savings banks, which at one time worked well in Eastern Europe.

Interesting projects on SSC, proposed previously, but they were not taken seriously because obviously unfinished mechanisms that prevent the transformation of SSC in the next pyramid. According to Kogan, continue in such projects should include the participation of the State (both in terms of guarantees, and in the control).

From comments made immediately, Alexander Pavlenko (Moszhilkorporatsiya), most of the comments that have traditionally distinguished incredible funny, paradoxical and extreme radicalism. A. Pavlenko said that at first we had to save the mortgage (American model), today we must save the PRS (the model of an Eastern European), but he fears that 'save' it us with exactly the same result. The problem, according to him, that all these models we have separated from the land (the capitalization of land in Russia now - about 6% as opposed to 100% in those countries to which we orient ourselves in the construction of the ordinary "saving" models ). In raising this very capitalization directed many now adopted laws, regulations and concepts, which, according to A. Pavlenko, even he could hardly focused, and that this can be said about the deputies to be on the basis of all these materials to even minimally workable system? Land - this is a great resource, and this fact needs no comment.

In this thesis he immediately replied no less sparkling and sensible opponents, noting that one such panacea in recent history Russia has been as follows: "landslide" privatization of the same companies as a result of which the company had to come "effective owner. Employees of enterprises have distributed shares, shook hands and announced that they are now - the co-owners. But the company instead of the "efficient owner" came raiders, and now we are forced to develop a package of laws designed to curb lawlessness raider. If the ground this process will be repeated - it will not be a crisis for a period of fifteen years (let's not forget the 1991 level on many economic parameters, Russia has not reached yet), while the full and final national catastrophe.

States to withdraw from the game

Next, Kogan said that not every plot of land in Russia has at least some value for investors. Reasons - primarily lack of infrastructure and communications. And when it comes to housing, the main task - the development of the above-mentioned sectors, and this task, according to A. Kogan - the case of the state. The money the state has to allocate it to cook, the question is how effectively the money will be used.

Today, a pilot project for infrastructure development allocated 69 billion rubles. If they are rationally used and will not go into the sand, then these programs will be highlighted next tranche - already about 400 billion, and further such amounts would be allocated annually. Regarding the proposal to keep a low rate mortgage loans by the State, to them Kogan is purely negative, because it is quite confusing. Banks should do their work, and the state - his own. If we talk about government assistance in housing low-income groups, the State would be wiser to pay the down payment and leave the game, not taking the long-term commitment. True, said Kogan, define who we really are so poor and in need of housing, would be extremely difficult: the question inevitably touches all in the same legalization of income.