Experts called the cost of capital "communal"

July 6 head of the Russian Prime Minister Vladimir Putin met with Sberbank President German Gref, Sberbank encouraged to reduce the average rate on mortgage loans of up to 8% per annum. At one percent, "We must strive to ensure that the average rate decreased gradually to 8% on average," - he turned to Gref. He said that everything would depend on inflation. And he explained that now the average rate on a mortgage is 11.5-12% and 8% - the minimum rate. It is worth recalling that earlier Prime said that Russian banks have in the future seek to reduce mortgage rates to 5-6%. It seems like the head of government perspective is not considered real, at least in the foreseeable future. Meanwhile, over the past five years mortgage used only about 1% of Russians. This is the statistics of the Central Bank. Since 2006, it issued 1.27 million mortgage. At the same time the national average of 13.2% of the working population can afford to buy real estate in the secondary market and almost 28% - in the primary. That is, the vast majority of those who can get a mortgage, still prefer to give it up. The study showed that to pay for a 20-year mortgage with a rate of 12.4% APR loan and down payment 20%, average Russians must have a monthly income of not less than 30 thousand rubles per month. Depending on the region of its availability varies greatly: a resident of Moscow should have a monthly income of 70 thousand rubles, of St. Petersburg - 42 thousand rubles, and, for example, the Murmansk region - 11,7 thousand. In the end, the mortgage is the most accessible in remote areas where it is technically able to afford almost 50-60% of working citizens, and in large and central regions, it is becoming a luxury. So, the mortgage can afford to only 7% of Muscovites. But even among them there are few who dare to take such a step. The reason - too much of a mortgage overpayment for an apartment. At this point - if the borrower takes out a loan for 20 years at an average rate of 12.4%, the initial cost of housing increased by 150%. But, according to experts, citizens are willing to overpay up to 20-40% of the value. And such overpayment threshold can be achieved only when the mortgage is extinguished early. "In Russia, this can be achieved if repay the loan within 5-7 years, and it is necessary that such a percentage was obtained on the mortgage issued for 20-25 years, - says CEO" FinExpertiza "Aghvan Mikaelian. According to experts, to achieve this effect rate on the loan should not exceed 5%. That is roughly the percentage of which previously said Vladimir Putin. Given the fact that in developed European countries, the average rate on mortgages is at a level of 4-5%, the Russian market in this respect, there is something to strive for! In the meantime, the Russians do not want to take home loans. Even those who have the financial means for this. Make out a mortgage in the main, only those who hope to shake off the burden of debt ahead of schedule - within 5-7 years. A few of these in the country, experts say. According to the study of "Finexpertise", about 70% of mortgage loans for 20 years, is extinguished in advance - an average of six years, people try to avoid large overpayments. Yet a small but potential to reduce the rates are. "Now you can get a mortgage at 13-14,5% per annum. In the plans for HMLA reduce borrowing costs for its program of up to 10-11%. Therefore, there is reason to hope that even at 3-4% rates will fall, "- says the analyst of" Investkafe "Anton Safonov. Only for the elect, however, some categories of citizens today have the ability to rely on "Putin's" interest. For example, young families can obtain a mortgage at 7.9% per annum. Today Russia has a special federal program "Housing", one of the routines of which - "Providing housing for young families." In the framework at the regional level, including in Moscow, work program "for young families - affordable housing." By its terms, in certain cases, you can even rely on grants. Also, to improve housing conditions are allowed to use funds of the parent (family) capital. But the most effective way - mortgage on favorable terms. How is the site metrinfo, most benefits are to reduce the interest rate. Loans at lower rate, for example, you can get the program AHML "New" and "low-rise housing." From 1 July this year, rates for these products declined for all categories of borrowers, and even today in standard conditions can take credit for 30 years from the original are made on a 10% 7,9-11% per annum depending on the size of the loan term and down payment if purchased new (including the format of "low-rise housing"), and under 8,9-12,7% if opt for the "secondary housing." But the members of the subprogram "Provision of housing for young families," the federal program "Housing", the Agency partners (banks, issuing loans) also provide a deduction from the interest rate - 0.25%. However, to become party to this sub-program, not only be a young family - must be recognized need to improve their living conditions and to stand in the appropriate queue for housing. In addition, the Federal Fund for Housing Development in conjunction with the Savings Bank is developing a mortgage product that allows you to provide housing for young scientists, said the head of the foundation, Alexander Braverman at the meeting with Russian Prime Minister Vladimir Putin in early July. According to the head stock, made clear criteria for the scientist-elect, a young scientist under 35 years, but with five years experience at the Academy of Sciences, and Dr. 45. This category of academics, "Priority of high-tech areas such as biotechnology, IT», can count on affordable housing mortgages, said Braverman. He said that as a pilot project selected 153.2 m in Novosibirsk, where the cooperative will be formed. Incidentally, in the first reading has passed a law on cooperatives, which allows young scientists today to allocate land free of charge and lead to its infrastructure. "In total, this gives a 25-35% reduction in the cost of housing. Well, the first installment will try any way without the state budget expenditures. The fund for this expense funds are available, and if your instructions will then fund the pilot project and will continue to do, including value for money "- said the head of the fund. Low PR And yet not only state institutions tend to lower mortgage rates. A number of commercial banks in the recent state of new mortgage products with a low rate. According www.realestate, only a narrow range of banks can afford to PR in the form of lower mortgage rates. Recently, a group of companies "SU-155" and VTB 24 provided a mortgage on the following conditions: after completion of construction - 8.5% per annum in rubles and 7.95% in the currency during the construction period - from 9% in rubles and from 8.45% in the currency of payment at 20%. 0.5% below the rate on your mortgage offers the same VTB for construction projects of the company "Don Story Invest" if you pay 20% of the cost of housing. Even more low leverage offered special programs of the Savings Bank "888": when you make 50% of the equity mortgage is issued on 8 years at 8% in rubles. "At that bankers understand what kind of credits may be granted for such a program, and to predict possible damages in advance, go on an informed risk by using such offers as a marketing ploy to attract customers, the change of image, as well as successful reports for the government" - commented director of private and corporate lending company Penny Lane Realty Roman Stroilov. Any significant reduction in rates does not foresee an expert. "Incentives for the further reduction is not: Is that coming up with a loan at 7% per annum for those who would just 70-80% of the value of the object", - he said.