What we know about the mortgage?

The vast majority of Russians somehow know the word "mortgage", at least by reputation. As a result of the massive information attack media are such people in Russia 76%. This is a real progress compared to 2000, when the mortgage that something heard only 28% of respondents. But, despite such a high awareness of what really lies behind the term "mortgage" in a country few know. Responses of Russians on the question "How do you understand the word" mortgage "?" literally puzzled researchers of the Fund "Public Opinion". In a study on the housing loans, it was found that less than half of Russians have shown awareness of this issue. In other words, only 44% of Russian citizens know that this "credit for the purchase or construction of housing." Others who responded in that much. Some believe that it is "any large, long-term credit at interest." Others understand by the mortgage "interest-free or concessional lending." An opinion that the mortgage - a "loan for young families." And someone said it was "state aid". Very few mortgage called "cheap and affordable housing." But the strange thing, one in ten mortgages not associated with anything specific, but is only negative comments - from "high interest loan" to the "sheer fraud." When a similar survey was conducted for the first time in 2000, 63% of Russian citizens first heard the word "mortgage" from the interviewers. Today, progress is evident - the only one in five never anything about her not heard. But, having heard this word many times in the news, few have bothered to find out in the country, that it really means. Experts attribute this low awareness of our citizens in matters of housing loans not to the general dullness or low levels of education. In fact, most Russians do not even see himself as a borrower on a new home. 70% of respondents completely exclude the possibility that they or their families ever to take a mortgage to buy a home. And of those who have such a loan still willing to take, most can not pay more per month 10 thousand rubles. Russians still prefer other sources of funding for their housing purchases. Take anywhere, borrow from friends, sell assets, lent at work - and are willing to take the mortgage, only 14%. Thus, most state efforts to stimulate the housing loans under the "Affordable Housing" wasted. Citizens for the most part simply do not know what it is. Yes, and do not want to know, because even pull their socks up a family, they could never afford a mortgage. Sky-high prices in the housing market, low salaries, high rates of interest on the loan - all these arguments are not in favor of mortgages in Russia. Although, maybe it's for the best. Housing in Russia is not enough, the growth rate of housing low. If all of Russia, who have the ability and desire to take a mortgage, do it immediately, the housing market simply would not stand this increase in demand. And then a 30 percent increase in housing prices in large cities, as we saw in early 2006, seem to us flowers.