In the coming days, the State Duma will make a long-awaited move to address the malaise of most Russians, the housing issue. Until the end of the year will be adopted a package of 27 housing bills designed to establish in our country market affordable and quality housing. The main emphasis of modern public policy in this area put on the most effective implementation of the capacity of citizens to improve their housing situation. Now the acquisition of real estate mortgage schemes should be for the majority of Russians accepted rule for solving the housing problem. MPs and officials have promised that this would be easy. Long-term housing loans with low interest rates will enable the use not only current but also future earnings of the Russians.
According to the Association of Russian Banks (ARB), over the past year in Russia was issued mortgages worth about $ 500 million, that is, only 2 percent of housing was purchased on bank loans. When a serious assessment of the level of development of the mortgage market compared with its level of GDP. In EU countries the figure is 34 per cent of GDP in the United States - 53, we do not reach up to one percent. In Russia in 2003, according to the same ARB, only 27 thousand households have mortgages, the average size of which was 18 thousand dollars. In most major cities and district centers, even in the suburbs for a sum not to buy an apartment. At best, it was sufficient to charge for the improvement of existing housing. According to experts, in order to increase the demand for housing in installments must be reducing rates on loans at least 10 per cent.
Amendments to the Law "On Mortgage" as the time and provide an opportunity to reduce the interest on mortgage loans of approximately one and a half to two times. From the perspective of lawmakers, this would, by 2010, reduce the payments on housing loans from the current 18 per cent to the same 10 or even 8 per cent. Facilitate the acquisition of housing and forth in the Act waiver from the mandatory notarial certification of the mortgage contract. While this procedure had to spread from his pocket an amount equal to half percent of the size of the transaction, which naturally leads to further increase the final cost of your purchase. Also, the aim of these amendments is to significantly decrease the amount of down payment when buying an apartment. Now it is 20-30 per cent of the total cost of a separate purchase of housing. According to deputies, a significant number of funds able to simultaneously lay out not everyone needs to purchase their own flats. Especially if we recall that the most urgent issue that comes before the couple, eager to left with the parents. Sometimes so much that the "young" prefer to spend a significant portion of their income on a removable corner. Around the same part of what they will need to allocate from the family budget to pay off the loan and interest payment. The difference is only one thing: bought in installments apartment eventually become the property, money, the cast for the removal of housing, going into the pocket of his present owner, and not allowing the payer's own real estate. Simplify the mortgage scheme, and another innovation - in a bill scheduled installment payments of at least 20 years. Those who take the risk of a mortgage loan today, in the best case it will return in 15 years.
Such substantial changes in the process of purchasing property on credit, of course, as soon as possible to increase significantly the quality of life has largely beskvartirnyh Russians. At the same time would solve a lot of serious social issues, starting with the possibility of a quiet rest after work, ending with a likely upsurge in population, which today are often hampered by "happen" parents and aunt once removed, three cartons of two-septate hruschevki.
