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| The quantity of hypothecary purchases of apartments has decreased to minimum |
This year by July, 1st it has been given out mortgages only on 55,3 млрд rbl. Thus in statistics join and the re-structured loans, that is what banks renewed to "old" borrowers.
The reasons of such position are obvious, - incomes of many families have decreased, and banks have toughened estimation of borrowers. The initial payment under the mortgage has grown to 30 % from apartment cost, rates under credits have essentially increased. People expect the further falling of the prices, considering that apartment to buy is unprofitable. With it, the truth, the head capital стройкомлекса Vladimir Resin doesn't agree. "The prices at present level, as they say, have found the buyer. They became accessible to people, and those have again started to buy apartments", - Resin in interview to "the Russian newspaper", published on Wednesday has told.
The first vice-president of board Moskommertsbanka Lyudmila Lebedev considers that the mortgage has decreased even more than on 70 %: in January — February credits didn't stand out at all, and those borrowers who could, tried to liquidate the debts. "I do not think that someone from sane bankers waits for mortgage revival this year. Probably, by the spring positive changes" will start to occur, Lyudmila Lebedev has expressed.
While banks the situation with earlier given out credits more worries. Before crisis Muscovites forged inquiries, overestimating incomes to achieve credit delivery. Now borrowers have started to forge documents to re-structure hypothecary credits and to receive delay on payments. Banks even had to increase department staff on job with the delayed debts.
As a whole, company Blackwood estimates situation in the real estate market as stable. Buyers have started to show interest to new buildings: if in the end of 2008 of transactions in the primary market practically wasn't, by the end of II quarter they began to consist often enough. |
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