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.

According to experts, market growth became possible basically thanks to availability of mortgage loans the interest rate on which within last year has decreased on 0,4 points, and in foreign currency on 1,4, and has accordingly made 12,5 and 8,5 percent. At the same time the further decrease in interest rates under credits during the current year isn't expected yet. It is not assured that the tendency to depreciation of the mortgage loans, fixed last year, will be continued during the current year, Darya Rozhkova has explained the head of analytical center "Median". Is it is connected with an uncertain external economic situation. On this background some participants of the market already are ready even to raise today interest rates. The limited offer in the habitation market can become other problem of the mortgage market in 2012, according to the expert. The matter is that building of the majority of many-storeyed apartment houses in Perm, handed over last year, has begun to an economic crisis. On realization of new projects, which will deduce on the market of apartment of an economy class (the most popular among buyers), it is required one and a half-two year. In the first-third quarter 2011 it is begun in Perm by building of 28 multiroom apartment houses by a total area over 287 thousand square meters, the analyst of the company "Kamsky valley" Boris Nikolays speaks. for the similar period of 2010 in building it has been started about 177 thousand squares, and in 2009 and at all all 71 thousand. In total following the results of a year in territory of Perm it is expected to input 312 тыcяч square meters of multiroom habitation. It is obvious a little for the market of a mortgage rising on yeast. More all new apartment houses in 2012 will be handed over in Motor-Vilihinsky area of the regional center. According to the director of management for work with partners of the West Ural bank of the Savings Bank of Russia of Oksana Avramenko, the tendencies connected with growth of availability of mortgage loans in Prikamye, will be continued during the current year.