A.Lebedev: Inhabitants of regions do not understand advantages of a mortgage
rather small volume of mortgage loans in the market of regional habitation in the Russian Federation is not a negative economic indicator. It has declared today on air - TV the vice-president of Committee of the State Duma on affairs of the CIS, the president of National investment council Alexander Lebedev.
insignificant volumes of mortgage lending, according to A.Lebedev, speak that fact that many citizens want to improve the living conditions, but “ not all understand that such a mortgage “. Thus, as he said, an indicator of volume of credits “ while about what does not speak “. “ Several years ago in general was nothing, the more will be operators in the markets, the more habitation it will be possible to redeem “ - he has specified.
And. Lebedev also believes that habitation in regions now is under construction insufficiently and it can soon lead to that the volume of again constructed habitation will be less, than volume of given out mortgage loans.
it is necessary to notice that earlier the general director of Agency on mortgage housing crediting (AIZHK) Alexander Semenjaka has informed on the TV channel air that at present only about 10 % of habitation in regions is on sale by means of a mortgage. Such insignificant figure, as he said, speaks low solvency and in small volumes of building.
thus he has underlined that with the introduction into action since March, 1st of the Housing code of the Russian Federation many procedures on habitation acquisition have been on credit simplified. Besides, habitation building is the serious animator for economy of regions, head AIZHK has noted.
By words And. Semenjaki, the primary goal of agency at present consists in that the federal program on a mortgage with support of the regional authorities was “ worthy “ in all territory of the country. Thus, it has explained, in case of successful performance of the given program, the mortgage should be distributed proportionally on density of residing of people. “ today at a stage of start of the program a certain differentiation takes place, and the most active are Volga region federal district and Siberian on which it is necessary an order of 60 % of redeemed credits “ - general director AIZHK has informed.
A.Semenjaka also has noticed that 90 % of all habitation arrive in a mortgage from the secondary market and only 10 % makes new habitation. As he said, partly it is connected with insufficient state support. “ Sense of concept MERT in that the state support was long-term, at least for 5 years, was norm of direct action and did not demand the big coordination “ - has specified A.Semenjaka. He also has informed that the government plans to 2010ã. To finish a share of mortgage loans concerning gross national product to 5,5 %.