Rus News Journal

Voronezhtsev governor Vladimir Kulakov and the general director of federal Open Society " will lodge in apartments on credit

Yesterday Voronezh; Agency on mortgage housing crediting Alexander Semenjaka have signed the agreement on the beginning of the program of mortgage lending in the Voronezh region. It is planned what in such a way improve the living conditions can third of inhabitants of Voronezh. The mortgage lending program will start to operate in two weeks.       opening the meeting devoted to the beginning of realisation of the program of mortgage lending in the Voronezh region, the general director of federal Open Society Agency on mortgage housing crediting Alexander Semenjaka has told that at last session of the State Council of the Russian Federation the concept of development of mortgage lending has been developed. For it in Russia it is already allocated 1,7 mlrd rbl. According to the concept, all banks of the country will take part in work of the program of mortgage lending. Banks will give out credits, and the agency on mortgage housing crediting will redeem these credits.
      under the agreement on mortgage lending the first payment for apartment purchase makes 30 % from its cost. Having paid this sum, the buyer becomes at once the proprietor of apartment and can be installed in it. Then the remained 70 % of cost are repaid. According to mister Semenjaki, the mortgage will be accessible to all, whose cumulative family income exceeds 7 thousand rbl. a month. The borrower should extinguish the credit during 5 - 20 years. The rate on mortgage loans will make this year 16 - 18 % and further will decrease, if in the country inflation decreases. For example, if the credit sum makes 300 thousand rbl. every month the family should pay on the average on 5 thousand rbl. However, according to Alexander Semenjaki, the next two years its agency plans to lower a monthly payment to 2 thousand rbl., having increased term of repayment of the credit.
      But, if the person is not assured that can liquidate a debt within 20 years, the credit to it to take better not   - mister Semenjaka has warned. As he said, in a case nepogashenija a debt of tenants will simply move from apartment . So if the family does not have savings or rich relatives it is better not to risk as in case of a default will pay off difficult   - he has warned.
      however as the basic investor under the agreement the agency on mortgage housing crediting will act. It will invest a mortgage through acquisition of mortgages. For these purposes in the Voronezh region for 2003 limits of credits to the amount of 60 million roubles are co-ordinated.
      as appears from the agreement signed yesterday, the mortgage lending program will start to operate in two weeks. vitse - governor Alexander Tsapin at yesterday`s session has told that in area the branch of federal agency on the mortgage housing crediting the regional administration became which founder is already created. In this branch all documents are prepared for delivery of mortgage loans. According to mister Tsapina, in agency branch some tens voronezhtsev, " already have addressed; means, such form of crediting will be claimed in the Voronezh region . As has told vitse - the governor, yesterday the bill has been directed to a regional thought About mortgage lending in the Voronezh region which should be considered at the nearest session. After adoption of law in area will start to give out mortgage loans. It is planned that it will occur in two weeks.
CYRIL of MOSQUITOES