Mortgage crippled

Only 2 percent of the population of Russia may use the services of 350 Russian banks, which provide mortgage loans. A need to improve the living conditions of 61 percent of Russian families. These figures are reported yesterday at the Fourth International banking forum in Sochi President of RSPP, Alexander Shokhin. In order to start a mortgage in Russia, according to Shokhin, to promote competition in the market. And it needs to first ensure competitive conditions for the grant of land for housing and connect to networks. Another important measure is to obtain Russian citizenship "proof of income." This is the problem of legalization of proceeds, which still does not find a solution. At this time, Shokhin suggested a "whitewash" salaries "by correcting the unified social tax by removing it from the insurance component": "This can lead to what is already in the near future, 20-25 percent of Russian citizens will have a positive credit history and to participate in mortgages. " According to the president of the Association of Regional Banks Alexander Murychev, even in order to achieve a minimum European level in 30 square meters per person, at the current pace of housing construction will need 45 years. While in Russia, 20.7 square meters per person. Two million families live in dilapidated housing, more than half of all homes built before 1970. Solve the housing problem, according to a banker, and prevents the speculative demand for apartments - as a matter of investing money in an inflationary environment. Speculators are investing money in a model apartment that does not accrue as a result of the needy. According to Murychev, mortgage lending in relation to Russia's GDP is 0.3 percent. In the U.S., this figure exceeds 53 per cent and even in the former socialist countries it is above 25. And yet, while ensuring the conditions of the state, said Alexander Murychev, 3-5 years, about 2 million Russian families can participate in the mortgage: "For its part, the banking community is ready to create all necessary conditions." It remains to understand what it is. Participate in the development of the mortgage is ready and the Bank of Russia. According to Central Bank First Deputy Chairman Alexei Ulyukayev, the problem and in the control of inflation and the sustainability of the ruble exchange rate. The Central Bank is ready to ensure the sustainability of all these parameters and is already working in this direction. Because of this, the inflow of funds into the country in 2006 will reach 15-20 billion dollars. A significant portion of funds will provide not only foreign speculative money, but also conservative and safe investment of foreign funds - pension and insurance.