The first, lying on the surface of the explanation - such loans are not really needed. Zagorodnoe housing - it's still an element of luxury, prestige, and get it off people. This is particularly evident in the most expensive objects. `People who buy homes worth more than $ 1.5 million, rarely give the past the money - believed Timur Saifutdinov, deputy director of the company` Terra-property `. - They do not need a loan `. A more detailed study, however, found other reasons. One of the most important - the lack of liquidity of the cottages and their rapid obsolescence. The very meaning of the mortgage loan is that in case of default by the borrower of its obligations properties he selected and sold. But in a short time and without loss to sell a cottage worth several million - is unrealistic. Moreover, this market is rapidly changing fashion and an idea of what is good. Doubters can be addressed to the `great scarf of red brick - in the 90's they were a symbol of new Russian insuperable steep, now not worth anything at all. Who in the event of problems the bank would sell it? Another major factor - much more than the urban housing, `secrecy 'suburban market. In the words of Theodore Efremov, CEO of `Russian` house credit, very few developers are ready to show documents the true value - and this point, we recall, is the key, most banks under any circumstances do not agree to process sales contracts with low value of the object. If the seller was an individual, it would be similar difficulties: cottage, probably resides in the property of the citizen at least three years. Hence, there is the notorious problem of `one million '- the seller must pay a sum in excess of one million, 13% income tax. Speech in the law, we recall, is about one million rubles, while the price of high-quality suburban facilities millions of dollars ... It is very difficult for the city and all sorts of legal problems. In Moscow, if the house exists physically - and legally it is decorated perfectly (except, of course, there are but very rarely), but in Moscow, these exceptions occur most often. Cottage is, people live in it, but the papers did not exist. Or initially-approvals made crooked ``: for example, violated the purpose of the land and cottage decorated like a farm. Illegal summed communication. There are claims by neighbors at the boundaries. All these questions - in principle impossible to urban apartments - lead to the fact that the bank refuses to take a full-fledged cottage real estate and take it as collateral. A History of the rigidity result of all listed above is that banks lend to purchase property outside the city much less readily, and if the credit - now at a much more stringent conditions. According to Elena Panova, Director of the Center of mortgage programs of the company `` Miel, under standard conditions (primary or secondary market - in this case does not matter, the approaches are identical) the bank will require an initial contribution of at least 30-40%, while in town you can get 15% and even 10%. The above will and interest rates - they start today of 13% per annum in foreign currency, ie about 2-3% higher than the urban real estate. Worse, and the situation with the timing: if the maximum for city apartments is 30 years, for suburban sites - only 15. Moreover, adds TV Saifutdinov, banks tend to limit the maximum amount issued to: more than $ 450 thousand to get problematic. In short, the banks clearly consider lending more risky for the city, so hedged. More money needed to pay the applicant and the stage of the application. Houses in the countryside is much more diverse than in Moscow, the higher the risk of inadequate quality of construction. This means that the examination of the object will be the bank's more complicated and time-consuming procedure. On many sites, credit institutions refuse without looking, with a list of 'undesirable' from each pot your own - some want only buildings in the cottage communities, others are not against separate, but invariably with a brick foundation. Of course, this is observed in Moscow (remember the house with wooden beams, or five-storey blocks), but with a suburban real estate at the level of fault-finding procedure above. And, finally, outside the city is noticeably larger than all possible risks, especially fire. This means that the insurance facility would cost more real. Formally, the fee for insurance is not directed to the bank and insurance company. In fact, insurance - necessary condition for granting a mortgage, ie waste, which the borrower will not escape - and we also rightly taken to the Count `` mandatory costs. Bypass road difficulties, as you know, break only the weak - strong, they harden. Our people would not have been himself, if not found solutions to problems. The first and easiest way - to take the credit for which you do not ask, why do you want the money. It will not be called a mortgage, but as something else - for example, `the urgent needs of the` - but in the words of a substance? Less of this option - much greater than for mortgage lending interest rates. Sometimes buyers, said Svetlana Abelian, branch manager `On Strastnoy Boulevard` company `new town ', prefer to use an existing loan secured by a city apartment. The rate here is intermediate - higher than in 'classic' mortgage, but significantly lower than the pressing needs of the ``. If we are talking about buying a house in a new cottage settlement, then there quite easily. The builder, as a rule, is credited in some bank - in him and the buyer should ask for a mortgage loan. Clearly, in this case, removed a lot of questions: what kind of settlement, how reliable developer - the bank knows this and that. Buyer to only prove its own solvency. Some developers - Aware of the demand for mortgages - themselves coordinate their projects with the mortgage banks. According to Panov, a number of its new facilities (eg, p `Barvikha-Club`, consisting of cottages and townhouses) `` Miel agreed with several banks - Bank of `Absolute`, `` Gazprombank. Lending institutions have already examined and approved all the documents - the buyer of this will not be difficult. A little sun in cold water with the use of mortgage loans today are sold only 1-1,5% of the country real estate. On the one hand, it is very small. On the other - good progress, because a year ago was even less. Causes of growth, experts see a noticeable superheated market: suburban villages appear more and more, and all who could buy a house for real money, already seems to have done so. This situation is forcing developers actively negotiate with the banks about the possibility to take their objects in the pledge. On the other hand, there is an interest banks: the city market, there is competition, new segments for the work. In addition, banks have realized: if the average loan to buy an apartment in Moscow is $ 70-100 thousand, then out of town, this figure - $ 300 thousand. Of course, the risks are higher here, but then the client receives a `chocolate`, revenues from it more ... Russian estate
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