Апартаменты в центре Москвы

"HYPOTHECARY YEAR" IS NOT HAS GONE RIGHT.

				
				
				
We recommend: st petersburg hotel.

"HYPOTHECARY YEAR" IS NOT HAS GONE RIGHT.
   Credits are not popular at the population because of dearness of habitation
And high percent on them.
   Irina Reshetnjak.
   HOPES of politicians and economists of the mortgage as means of an exit of Russia from
Crisis, are not absolutely justified. There has passed almost year from the delivery beginning in Moscow
The first hypothecary certificates, and the mass mortgage all are not present. So-called
The pilot project, apparently, has ended together with delivery of the first 150
Credits for purchase of apartments. Solemn delivery in President-hotel
To the first borrowers of gold keys from apartments looks now ridiculously. Credits
Stood out for 10 years under 10 % annual in currency for the sum making 70 %
Apartment costs. The initial payment was equal 30 %. To the present
To time it is given already out more than 270 credits.
   Let's remind, that the mayor of Moscow Jury Luzhkov declared this building year
"Hypothecary". According to Mr. Luzhkov, the mortgage in a status to resolve at once
Complex of problems - to provide people with habitation, and builders - stable
Financial receipts. "This year we will untwist the mortgage", - spoke
The mayor, declaring the program-minimum - to give out one and a half thousand credits, and a maximum
- To provide with credits of three thousand Moscow families. Most likely Luzhkov
Meant one side of the problem - to get money for credits. Though
The western credits which first were considered as the basic source
Mortgage financings, and it was not possible to involve.
   One of these days the Moscow government, counting on own forces,
Has allocated 400 thousand sq. m of habitation, means from which sale will go on
Mortgage development. Such strong-willed decision, according to a source "NG" in
Moskomarhitekture, to the Moscow budget can strike serious blow. Moscow
Already experiences difficulties in service of debts, having the greatest
Among regions debts against foreign investors.
   Other side of the problem of development of the mortgage - the capital population on
Today does not possess the guaranteed incomes necessary for
Monthly payment of hypothecary habitation. It is known, that for the mass mortgage
Necessary parity between the average income of a family from 3-4 persons and
Average market cost of habitation - 1: 4, that is the income on a family at the prices
500 dollars for square metre should make about 20 thousand roubles a month
(On 10 thousand rbl. on the person at two working). In Moscow now average
The monthly salary less than 3 thousand rbl., that is we more than three times not
We hold out to the mass mortgage. Besides to live on credit presently
Everyone will dare far not.
   Actually, there was a certain similarity of the mortgage earlier -
Housing co-operatives. But then the necessary was carried out
Parity between the average income of a family and apartment cost, and at
The introduction into co-operative society there was no necessity to take the credit in commercial
Banks and the more so under 10 % annual in currency. Inflations, devaluations, rigid
Bindings of the prices to dollar then were not and in pomine.
   As is known, crisis has most painfully struck on August, 17th on people,
Received credits in currency. It is possible to think only, that will be, if in
To the country there will be a repetition of such crisis at the mass mortgage.
   According to Gosstroy, in Russia it is not sold more than 30 million sq. m of habitation, in that
Time as requires habitation more than third of population. Money from the mass
Mortgages (and the author of the law "About the mortgage" Ivan Grachev hoped to receive 500
Bln. dollars) are not received yet, and the habitation is not sold. That these
Hopes have come true, cost of hypothecary habitation in Moscow should not exceed
200 dollars for sq. m, differently the mass mortgage will not be exact. About it the mayor
Capitals already declared in the performances, but motions in this direction
No.
   While all urge to take credits under 10 % annual in currency. Though
It is known, that in commercial banks contributions from the population are accepted under
15 %.
//* an information Source: the Independent newspaper, 11.08.99
//* Reg. Nom. - 1090800114.30-------------------------------------------