What kind of housing we are planning to buy at any price, in what way, how to assess their capabilities, what we know about the proposed options for the purchase and any credit carry the load. The answers to these questions tried to get the Agency for Housing Mortgage Lending (AHML), ordering the Russian opinion of the population. It was conducted throughout the country in four waves: in February and October 2009 and March and July 2010. It turned out that in the next five years are going to buy housing, only 13% of families and one third - with the help of a mortgage. When a person is not confident in the future, he first puts a major purchase - it is not to purchase real estate. So it was a year ago, the situation has changed, the latest survey showed that most Russians have positive view of the further economic future and the prospects of their personal wealth. A year ago, half of our fellow citizens expect the deteriorating economic situation, today there are - 15% and 70% believe that no degradation will not be. Reduced the number of those who believe that in the near future they are threatened dismissal, delayed and reduced wages. Half of those surveyed believe that anything like that they are not threatened. And, accordingly, begin to make plans for the future. And not the least of these plans - lodging. Buying real estate in many delayed not only because of economic considerations. They all expect (and not unreasonably) lower prices. Now the vector in the minds of Russians abruptly changed direction - most people believe that prices will rise. For example, thinks so 91% of those who outlined the purchase of real estate in the coming year. And the money is there for people. It turns out that 21% of average income and 23% high - saving up to buy or build housing. And just for the purchase of real estate set aside 13% of the population. Approximately the same charted buying a home in the coming years. 2% will buy this year, 6% - within two to five years 5% - later. In general, buy real estate in the five-year perspective plan to 13%, or 7 million families. Another 21% would like to buy, but opportunities do not yet allow. Interestingly, in early 2009, the opportunity was not allowed to buy a house 36% of Russians. It's not a sharp increase in welfare. Judging by the distribution of responses, most of the "willing" flowed smoothly into the category of those who do not need to increase the living space and believes that they have no problems with housing. A year ago, 46% of the population believed that they had no need to buy a home, now of 61%. Perhaps, amid talk of a massive economy-housing construction, lower prices and mortgage rates, many cheered and now optimism diminished and people come to terms with what they have. This is indirectly confirmed by the answers of those who will buy, but postponed the purchase. His decision they motivate a substantial rise in house prices and problems in the construction industry. "Mass freezing facilities in times of crisis and extremely slow recovery in the industry have undermined the trust of potential buyers, and narrowed the range of accommodation," - explained by experts. What kind of real estate dreams a Russian? On the new apartment. This desire is 61%. 31% are thinking about your own home. 6% plan to buy land, 5% - 2% and giving - the room. The demand for homes among buyers continues to grow. In early 2009, to move into his house like every fifth family, and in July - one in three. In Central and Southern federal districts in their own home today focuses almost every second buyer (48 and 46% respectively). According to experts, this trend is due to a maximum reduction of prices in this segment of the crisis. Most people buy housing plans in the secondary market. Compared to March 2010 interest in the secondary market grew by 6% to 30%, significantly lower than the interest in the primary market (20%). Secondary market for people like, for three reasons: the prices are lower than in new buildings, there is no risk that the house will not be completed, are less likely to be deceived when buying and do not get housing. Use the credit when buying real estate think 16-19% of Russians. The idea that most of us sitting in debt and we did not before new loans - a myth. Only 12% of the population have credit on account of which pay 10-30% of the family budget. A 84% absolute kreditodostupny. Approximately 2-4% just want to get a mortgage, expect 3-7% decrease in rates, 2-3% - to reduce the down payment. This is a common pattern. The poll of those who like going to buy housing, showed a completely different figures. 23% of people were going to buy a property with a mortgage in early 2009, in July of 2010 - 31%. Including letter of intent to take the mortgage, said a quarter of those planning to purchase housing for a year. Experts attribute this decline in the solvency of potential buyers in the backdrop of rising prices and, therefore, forced to access credit. Although increasing the availability of mortgages was also could play a role. But no action with respect to mortgage most of these people have not taken (56%). The terms of the mortgage interest 11%, applied for 1%, 4% of collected documents were denied 2%. Do not know what a mortgage, 20% of the population. Others claim that they know. But the real mortgage rates could name only about half of them. At the same time more and more people call the lower rates.
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