Thorough review of the most frequently discussed topics on the collection market, it is easy to see that information as much mortgage debt is less than, say, as consumer debt. It is not only in the fact that consumer debt in the population is much larger than the mortgage, but also in the fact that the very "problem" of outstanding home loans more profound "ethical" loaded and showing the true state of the Russian economy today at the same time . Must consider the fact that the number of collection agencies that specialize in this area, significantly less than for other types of debts: the more important it becomes their assessment of what is happening. It is obvious that, first of all, mortgage debts are different amount of debt. On the other hand, analysts always emphasize that mortgage borrowers were and still are the most disciplined, because trying to preserve housing, which has already been invested lot of money, and continue to try every effort to pay on the loan. That is why the main difference between the mortgage debt from other forms of debt is that the bad loans on mortgages is much less than, for example, of bad consumer loans. "According to experts, the problem today is about 5% of mortgage loans, but more precise data are not - said Irina Poddubnaya, Deputy Director General, Director of Business Development" Sequoia Credit Consolidation. " - We note that, as an increasing proportion of mortgage loans transferred to the outsourcing penalty. If in 2007 the share of distressed mortgage loans in the portfolios of collectors was 1.2%, by the end of 2008 it rose to 2% by the end of 2009 - up to 3%. " Analysts unanimously recognized that the factor that changed the situation with the mortgage debt in Russia, became an economic crisis. In most cases, a stable financial position deteriorated mortgage borrowers is in the second half of 2008, as the share of expenditure on a monthly repayment of the loan under the credit, most families were very large and sometimes exceed 70% of total revenue. In such circumstances, any, even a slight drop in revenue, regardless of the cause of this fall, has been very painful for holders of mortgage contracts. Back in early 2008, mortgage loans were considered low-risk by most lenders. "In summer 2009, 40% of our agency bank noted that the mortgage, in their opinion, would be the most problematic area in terms of loan defaults - says Irina Poddubnaya. - However, to date, unambiguous confirmation of this negative prognosis yet. " Of course, the overall change in the Russian economy for the better attainment of a stable banking sector, the improvement of the real estate market over the past six months, affects the statistics of debts for housing loans. According to Alexander Shcherbakov, deputy director of the collection agency "AKM", the state of mortgage debt in recent years is characterized, first, a gradual increase in the value of the collateral. This should resolve several important aspects of mortgage debt, the chief of which is short term exposure (advertising) the mortgaged property under its voluntary or enforcement. According to the experts "AKM" is now for sale flats in the CFD at a price acceptable to the lender, you need to, on average, one month less than last year. The second important point - the reduction of risks to the mortgagee. With the progressive increase in the value of the collateral risk remain with the loan, part of which is generally not guaranteed, is minimized. As is easy to conclude to a collection agency is not very good trend, because it affects the amount transferred to the work of mortgage debt. Now the bank's decision to transfer the work of the mortgage problem is caused mainly by a desire to optimize their own costs on working with troubled assets, whereas before, the primary task was to reduce the risk of borrower defaults. According to analysts, "Sequoia Credit Consolidation," portrait "srednestatistichesnogo" the debtor's mortgage today is rather conditional: in most cases a loan to buy a flat in his wife at the age of 30-40 years. It is important to note that the level of real estate prices, as well as wages in Moscow and regions differ significantly. Therefore, the level of income, the amount of initial savings from borrowers in different cities, also vary greatly. The basic rate mortgage debtors to date - people who have had sufficient savings for a down payment, but not very large income. The average amount of overdue debt is around 1.8 million - 3.1 million rubles. The average amount owed by Moscow at times different from the "debt of an average."
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