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.

Also a bycicle probability of the further, last year which has begun with autumn, growth of rates of crediting. And as a whole, by estimations of the chief of territorial administration a network and sales of Northwest region the Absolute of Bank of Vitaly Demidov, it in 2012 will lead to braking of rates of increase of mortgage lending. «That will occur against slow restoration of solvency of Russians and difficulty at banks», the expert has specified. Better to say, while the state pours in the enormous sums in a military mortgage, banks will have deficiency of spare cash. Therefore growth of their interest to budgets of a military mortgage is guaranteed. That, in turn, assumes development acceleration as services a military mortgage. The question in what directions will go development. Variants are possible Let's remind: according to the program, the military man (the officer, the ensign or the contract employee) can already get habitation on credit in three years after the introduction into memory mortgage system. The right to participation in the program doesn't depend on living conditions and marital status of the military man. «The sum of the credit which is given to the military man under the program« Military mortgage considerably exceeds the size of the credit which it can receive on the basis of the data about the solvency», experts of Agency in mortgage housing crediting add.