Date: 3 months ago   Category: Winter

In Russia the boom of a risky mortgage began


The share of mortgage loans with low initial contribution exceeded 45 percent of all volume of delivery. It is reported in materials of the NDV-supermarket of the Real Estate company (is in the editorial office of Lenta.ru). Until the end of the year the indicator can grow to 50 percent, specify in the company. The aspiration small, mainly regional became the reason of such dynamics, banks not to allow outflow of clients. Materials on teme00:06 — Broke on July 31 to the sistemurossiyena take the credits for the sake of a mortgage. They will regret soon "The Russian banks from top-10 practically have no mortgage programs allowing to issue the housing credit with initial contribution less than 15 percent — Irina Tumanova, the head of department of a mortgage and the credits of NDV explains. —
in the conditions of the growing rates some credit institutions try to meet requirements of clients, softening conditions of delivery of a mortgage. The client not ready to pay at least 15 percent of purchase, by large banks is a priori regarded as default (...) Regional banks (...) can give [mortgage] nearly with a zero initial deposit how it still to compete with the top ten?" The share of the most risky housing loans — with initial contribution less one tenth cost of the apartment — grew in recent years in a total amount of delivery and reaches 7 percent, Tumanova adds. In October, 2018 the Bank of Russia increased risk coefficient on mortgage loans with initial contribution less than 20 percent from the cost of the acquired apartment. "The taken measures are aimed at providing sustainable development of a mortgage segment" — noted in the Central Bank. "The film of day" is more than important news in Telegram channel. Subscribe!

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