2015 to buy an apartment with a mortgage can every third family, and by 2020 mu mortgage way to improve the living conditions will be available to half of the Russians. Such a task is set by the Agency for Housing Mortgage Lending (AHML) to approve the development strategy for 2011-2020. Last year, we recall, the mortgage was in force less than a fifth of Russian households - 19.8%. Increased availability of mortgages, including through the introduction of new products, as well as infrastructure development of the mortgage market, inherent in the strategy should greatly improve the situation. According to experts AHML, the volume of loans in 10 years will grow at three times - from 301 thousand last year to 868 thousand in 2010. HMLA focuses on four main areas of the mortgage market. First, the incentive program continues the primary market. This direction was maintained during the crisis in the first place, to "kill two birds with one stone" - on the one hand, to help solve the housing problem citizens, on the other - to support the construction complex. But now, when the financial situation became more stable, and the banks newly expanded mortgage programs, HMLA adds to the strategic three areas: promoting the secondary mortgage market mortgage market infrastructure and the development and implementation of special mortgage programs for certain social groups of citizens. Development Programme, the secondary mortgage market is aimed at expanding the investor base in mortgage-backed securities, an increase in the number of issuers and increase the liquidity of mortgage securities on the secondary market.
Monday, October 24, 2011
People's opinion: the fall of prices for apartments will rise
All the summer the price of the property market virtually marked time. This is partly explained by the traditional "seasonal" lull - buyers and sellers are on leave, the housing problem has been postponed. However, the fall begins the "business" season, the people returned to Moscow real estate market has traditionally come to life. Then what awaits us? In the summer, "inviolability" of prices on the Moscow housing in addition to the holiday season are more profound reasons. The real estate market affects many factors, and some of them pulls up prices, and some - down. Which of them are outweighed, and there prices are going. For a long time, they are equilibrated with each other. For example, rising in price as oil seems to push prices up (judging from the simple logic that the oil companies bought up the Moscow apartment). However, apartment prices for oil dynamics did not respond. Because there is such a thing as a limited effective demand, here it is a real estate growth does not start. A simple, no "oil" and "gas" buyer (and there are people in the market is always more), is interested in housing "no frills" special money. Thus, our real estate market for a long time (not just in summer but in the year to this point) as follows: the price though and reacted to inflation, playing it, but a special commitment to the growth did not show. According to the magazine www.metrinfo, ruble prices hung in the 132-142 thousand rubles for "square» http://www.kurs.metrinfo/graph/ exception was the segment of economy-quality buildings, where some growth was observed for the following reasons: First, it is in principle a bit, the choice of the buyer is small and, therefore, that is - is in demand.
For five years, the builder - not a term
Buy a flat from companies that declare compliance with the law on joint construction (№ 214-FZ), no guards of the future tenants of the numerous problems. Developers are trying to reduce the statutory five-year warranty period, refusing to repair the apartment, even when the emergency due to poor quality of work performed there a few months after taking up residence. Federal Service and the Prosecutor have to prove the illegality of such "rules". Violations found in treaties with the future owners of the apartments has concluded entering into group RBI LLC "Building Systems". The inspectors found that the warranty period is calculated not from the transfer of the apartment holders, and the date the formal surrender of the state commission houses. The Arbitration Court ruled such conditions illegal and infringing on the rights of consumers. Similar practices to reduce warranty periods are used, and other developers in St. Petersburg. Administrative Law expensive contract case against the company, "Building Systems" district prosecutor's office instituted, which attracted the attention of the terms of contracts of participation in joint construction of an apartment house "privilege." In addition to reducing warranty period, they provided that in case of deficiencies interest holders had the right to require the developer only "gratuitous deficiencies within a reasonable time." Federal Service, has received submissions from the prosecutor's office, confirmed the violations. Indeed, according to the law warranty period should be calculated from the time when the buyer receives the goods (flat).