Do the Russians, what is mortgage? It turns out that the affirmative to this question can be answered only 50 percent of the population. The others either know about the "Queen of Retail" by hearsay, or do not have a clue what the "beast" is. On this "ignorance" a good half of the study suggests fellow of the National Agency for Financial Studies / NAFI / conducted in February this year, all over Russia. The work surveyed 1,600 people in 153 settlements in 46 regions and republics of Russia. So, the most knowledgeable about the mortgage were men aged 24-44 years, with a salary of five thousand rubles and up. And, as always, with an increase in income per family member, an increase in the proportion of respondents who know what a mortgage, and vice versa. How to identify a survey, most people who can boast of their knowledge of the mortgage, are the happy owners of higher education diplomas. It is noteworthy that the "gurus" in the mortgage business mainly live in fairly large cities with a population of more than 500 thousand people. At the same time, contrary to expectations, the residents of capital cities / Moscow and St. Petersburg / were not the most knowledgeable about the mortgage. More than half / 61 percent / surveyed residents of cities with populations of more than 500 thousand people and 53 percent of urban residents with a population of 100-500 thousand people reported that they know what a mortgage. At the same time in Moscow and St. Petersburg was the answer, only 48 percent of the respondents. At the same time, according to a board member of City Mortgage Bank Michael Busygin, such regional imbalance - a matter of time. 'Banks are the last few years has been actively building a network of federal and after the standard 13 cities millionaire inevitably begin to work in cities with a population of 500 thousand people, and then from 100-250 thousand, "- he said. It should be noted that the portrait of "expert mortgage" is completely identical to the average customer banks. Thus, M. Bulgakov noted that today customers of the bank - "typical representatives of the emerging middle class." Specifically, what are men and women / the latter, by the way, a little over / under the age of 25-45 years, mostly located in a registered marriage, no children or having a child / minority /, usually with a higher education or secondary education / minority / middle income will vary depending on the city. For example, in Moscow is about 4 thousand dollars per month for a family / after tax / regions in this figure is 1.5 - 2 times less. In general, agree with him and representatives of other banks. As a result of NAFI experts pointed out that the level of knowledge of the Russians on the mortgage remained unchanged from the previous year, but this knowledge has become more confident. The proportion of those who know nothing about mortgages, albeit slightly, but decreased for the year - from 18 percent to 15 percent. As the director of sales of investment bank "KIT Finance" Julia Kostomarov, as a rule, a client that accesses a bank for a loan on property already has an idea of what a mortgage. Of course, interest rates and terms vary among different banks, and the number of banks, mortgage loans, amounts to several hundred. "But, in my opinion, it is important that any person can get the full accurate information about any banking service. Client can only compare the conditions and choose the most suitable option. It is important not only to make the right choice but also to protect themselves from possible negative consequences, "- she said. At the same time the general level of awareness of clients on the mortgage is not high enough, says head of consumer and mortgage lending Swedbank Anita Berzina. "The potential borrower can not always properly compare loan terms to different banks, to assess the actual amount of monthly payments and your ability to repay the loan," - stressed A. Berzins. In her opinion, which is why many customers have resorted to the help of professional consultants - mortgage brokers and recommendations of their friends and acquaintances, who earlier took out a bank loan. But the data tell a different story NAFI. Recommendations from friends are the least important characteristic in a person's intention to take a mortgage loan. This category also includes the bank's participation in the deposit insurance system. But on that first and foremost pay attention to mortgage lenders, so that the interest rates and the availability of a down payment. "Interest rate - the first factor, which attracts the attention of the borrower," - agrees to the Director for External Relations of GE Money Bank Catherine Tuton. It should be noted that "today, rather, it is about the effective interest rate, which influences including the size of bank charges, insurance premiums, etc.", said Yu Kostomarov. But still, according to E. Tuton, this column - is not decisive in the choice of mortgage deals. In the future customers start to compare the existing programs on the market, pay attention to such credit terms as the commission for the issuance of, a prepayment. Plays a role service and additional services offered by the Bank, for example, a personal financial advisor, assistance in obtaining documents, the constant support of the mortgage transaction. So what do the Russians know about the mortgage? In the course of the study respondents were asked open-ended question about the concept of a mortgage. The majority of respondents understand how the mortgage loan for housing / 71 percent /. About every tenth / 11 percent / of those who gave a definition of the mortgage, said mortgage - a loan / credit without specifying goals /. It is important to note that during the year reduced the percentage of respondents defined the mortgage as a fraud. In 2007, a response was received from 18 percent of survey participants who gave the definition of the mortgage. In 2008, as identified only 10 percent of the mortgage. It is noteworthy that 1 percent of respondents believe mortgage loan investment. Women are somewhat more likely to identify as a mortgage loan for housing. Since 73 percent of respondents were in favor of women and 69 percent of male respondents. However, the difference in proportions close to the statistical error of the study. Men are more likely than women to determine the mortgage as a fraud. So favored by 15 percent of male respondents and 7 percent of women surveyed. The most common stereotype for a mortgage today, as noted by M. Bulgakov, - that the "mortgage - a loan to buy a home." This view is erroneous, because the mortgage is also a consumer loan secured by an existing property into housing. Another false idea, "Mortgages for people with a Certificate 2-PIT." As the representative of City Mortgage Bank, today banks are actively working with various forms of income verification. Another myth is that - "mortgages in rubles - the most cost-effective solution." But when you are ready to assume a foreign exchange risk, the consumer can save up to 2-3 per cent per annum due to the difference in rates and a falling dollar / and if that - there is an opportunity to refinance into another currency in another bank /. "Rates of mortgage is too high, it is better to wait" - many people believe. At this meet bankers, people who for that reason did not buy a house for the past few years, is now paying for square footage at times more than it cost just a few years ago. "Credit is better to take a short time", - assured credited. At that lenders suggest that a longer period is the amount of monthly payment and, accordingly, the load on the family budget. And you can always pay credit in advance. But at the same time, all equally agree that the overall dynamics of the growth of knowledge of consumers about the mortgage quite rapidly. "The majority of Russians - said Deputy Chairman of HCF-bank Vladimir Gasyak - details do not understand how it works mortgage lending system, and they know it only by hearsay. However, customers who decide to contact the bank to obtain a mortgage, versed in lending is much better. " A much better - it's a 3 percentage points, according to the survey. It is possible that such a rate as in ... ndtsat we come to a complete understanding of the mechanism of the mortgage, as in the West. And by the bright day, perhaps, and mortgage rates from our banks a little bit, but nearer to the West.
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