Рroject "National mortgage"

In Krasnodar territory participants of the project "National mortgage" since January, 13th will start to receive the first grants. The governor of Kuban Alexander Tkachev has reported on it on the prime minister of Russia Vladimir Putin during a working meeting in Moscow. The program "Memory mortgage" started in region on September, 16th. The governor of Kuban Alexander Tkachev and the president of the Savings Bank Herman Gref during forum work "Sochi-2011" have signed the agreement on service in its frameworks of citizens addressees of social payments. On a plan of developers, at a minimum level of state support within the next 6 years participants of the program should become more than 24 thousand Kuban families. The perspective potential of the program in region makes not less than 100 thousand families. "Kubantsy with might and main register in the program, the governor to the prime minister has told. And it is literally from now on its participants will start to receive the first grants", the press-service of administration of region informs. 

Really the mortgage has inflated the prices in the secondary market of habitation?

According to the majority of experts, positive tendencies in the market of the mortgage loans, fixed in 2011, will proceed during the current year. Thus the big role in market development the credit organizations having the state capital will play. The new habitation as the excessive demand last year to a limit has inflated the prices in the secondary market will use demand basically. The Perm edge According to management of the Central bank of the Russian Federation on the Perm edge, in 2011 the volume of delivery of mortgage loans in Prikamye has grown. So, for 11 months of last year the credit organizations have given out to inhabitants of region (physical persons) 12 344 mortgage loans for the sum of 11,2 billion roubles (taking into account credits in foreign currency) that on 3,3 billion roubles more than volume of the given out mortgage loans for 2010. Thus the quantity of the credit organizations which realize mortgage programs in edge, has increased by 14,7 percent.

How to young teachers to take a mortgage loan?

To young school teachers who have decided to take a mortgage loan, it is not necessary to bring an initial payment. Means for it are allocated to regions from the budget on terms of financing.

Provided that the initial payment for a mortgage makes no more than 20 percent from the credit sum. An indispensable condition for borrowers - age till 35 years. And for regions - acceptance of the mortgage program of crediting of young teachers with interest rate level not above 8,5 annual interest rates. On any other purposes to spend mortgage grants it is impossible for local authorities.

In the decision the formula on which calculation of the size of a grant will go is specified. The sum will depend on several indicators, in which number - cost of 1 sq. meter of habitation in each concrete region (according to Minregiona), average cost of habitation in all regions which have accepted the programs of mortgage lending, a quota on quantity of young teachers to which will give a mortgage. And in those regions where low cost of habitation, the quota on quantity of teachers will be above. For example, in Karachaevo-Circassia average cost of 1 sq. meter makes 20 700 roubles, and in the Kaluga 33 450 roubles. And the number of participants of the mortgage program in Karachaevo-Circassia will be above, than, for example, in Kaluga.

In the end of the year all regions should report, as they have used budgetary grants. For what it it is necessary not only to compare percent of those who has received a mortgage with all quantity of young teachers, but also to how teachers within a year improved the living conditions thanks to other state and regional programs.
Local authorities will have a serious interest in that teachers actively used a mortgage, differently the size of a grant can be cut down. For example, if for October, 1st of current year cash expenses of region make less than 30 percent of that is provided by the schedule, the size of a grant can be reduced. And if local authorities by the end of the year don't execute the obligations will obtain less money for compensation of an initial payment next year. This money simply will redistribute between those who honesty carries out of the social obligations.

Why the military mortgage "has aimed" at the primary market?

The enormous sums allocated from the budget on a military mortgage, stimulate arrival to this segment of new players and service development. While under the given program it is possible to buy habitation only in the secondary market. But service expansion on the primary market of Petersburg it is quite possible to expect in the come year. As a whole forecasts on the Russian mortgage market for 2012 within the limits of the second wave of crisis are careful. On this background the military mortgage applies to become main "newsmaker" of positive news. Enormous injections According to the chairman of Committee of the Federation Council on defense and Victor Ozerov's safety, in the come year for a military mortgage in Russia it will be spent 41,9 billion rbl. against 28,7 billion in 2011. In 2013 it is supposed to allocate 59,3 billion rbl. , and in 2014 73,4 billion rbl. That is all for housing maintenance of military men of army and fleet for three years it is planned to allocate more than 174 billion rbl. Thus, the given segment of the market of real estate enormous monetary injections expect. On the other hand, forecasts on the Russian mortgage market as a whole are careful. Under the pressure of problems with a state debt in the European Union the Russian credit organizations will gradually toughen requirements to an estimation of solvency of borrowers.

«Expert RА» has appropriated a rating of quality of services of the agent on support of mortgages to NRA of ML

The rating agency «Expert РА» has appropriated a rating of quality of services of the agent on support of mortgages to Novosibirsk regional agency of mortgage lending at level A «very high degree of quality of services». The key factors positively influencing a rating of Open Society «Novosibirsk regional agency of mortgage lending», act very high level of a regulation of activity on support and automation of business processes (including presence of specialized information system for support of a portfolio of mortgages). Positively in a rating estimation also are reflected presence in structure of the company of separate divisions on support of mortgages and on work with problem debts, and also presence of the certificate of quality management ISO. Also are positively estimated considerable experience of employees to Novosibirsk regional agency of mortgage lending on support of mortgages under standards (more than 10 years), high investment potential of region of presence of the Company and conformity of geography of activity of the company to structure of current operations.