Mortgage costs to the Russians in 10 times more than EuropeansWhen housing loans in our country will become available to the public? [Discussion]Evgeny Belyakov - 05/31/2011Yet Russia, like it or not, catastrophically like Honduras! Another common feature of recently discovered by experts of the company Penny Lane Realty. They
estimated that the availability of mortgage Russia is to "honor" the
47th place out of 60 countries, losing just one line of Honduras.
Experts in luxury real estate, of course, a little hot. For example, the calculations were founded upon a loan of 5 million rubles (about 122 250 euros) for a period of 20 years and with an initial payment of 30% of the total cost of the apartment. Take the same amount of debt secured except from Moscow. And that's not all. The average mortgage in Russia is not more than 1.5 million rubles. But actually it does not change the calculations.
For example, it was found that at current rates of banks in our average mortgage borrower Russia for 20 years to pay out more than 2 amount (overpayment to 115%) of the loan. A resident of Denmark for the same period overpay a credit institution with 14% (for details - see table). That is almost 10 times less. Why do we have such high interest rates on housing loans?
- A bank may lend money only to their advantage - says Natalia Smirnova, CEO of consulting company "personal adviser". - If inflation is in our country is 8 - 9%, that for obvious reasons, the bank can not give money to borrowers at 3 - 4% per annum. Plus, the bank must establish the risk of defaults, delinquencies. Well, get something in profits. And in Europe, and lower rates and more borrowers are responsible.
By the way, the total debt of Russians to banks for mortgage loans of almost $ 1 trillion. rubles. But according to experts, using a mortgage now buy only about 25 - 30% of the housing. And there are reasons for this.
- This number of commissions and extortion on the part of banks do not in any country the world, - says Roman Stroilov, director of private and corporate lending Penny Lane Realty. - In addition, Russia has 70% of the monthly mortgage payments is the cost of interest, whereas in Europe the situation is exactly the opposite. Plus, in Europe, banks lend to mortgage customers at lower rates, and make other financial products. We have got used to earn at all.
According to experts, in the next few years, mortgage rates may fall in Russia - about 6 - 7% per annum. Nevertheless, everything will depend on inflation and the overall situation in our economy.Where is cheaper to buy an apartment on credit
Experts in luxury real estate, of course, a little hot. For example, the calculations were founded upon a loan of 5 million rubles (about 122 250 euros) for a period of 20 years and with an initial payment of 30% of the total cost of the apartment. Take the same amount of debt secured except from Moscow. And that's not all. The average mortgage in Russia is not more than 1.5 million rubles. But actually it does not change the calculations.
For example, it was found that at current rates of banks in our average mortgage borrower Russia for 20 years to pay out more than 2 amount (overpayment to 115%) of the loan. A resident of Denmark for the same period overpay a credit institution with 14% (for details - see table). That is almost 10 times less. Why do we have such high interest rates on housing loans?
- A bank may lend money only to their advantage - says Natalia Smirnova, CEO of consulting company "personal adviser". - If inflation is in our country is 8 - 9%, that for obvious reasons, the bank can not give money to borrowers at 3 - 4% per annum. Plus, the bank must establish the risk of defaults, delinquencies. Well, get something in profits. And in Europe, and lower rates and more borrowers are responsible.
By the way, the total debt of Russians to banks for mortgage loans of almost $ 1 trillion. rubles. But according to experts, using a mortgage now buy only about 25 - 30% of the housing. And there are reasons for this.
- This number of commissions and extortion on the part of banks do not in any country the world, - says Roman Stroilov, director of private and corporate lending Penny Lane Realty. - In addition, Russia has 70% of the monthly mortgage payments is the cost of interest, whereas in Europe the situation is exactly the opposite. Plus, in Europe, banks lend to mortgage customers at lower rates, and make other financial products. We have got used to earn at all.
According to experts, in the next few years, mortgage rates may fall in Russia - about 6 - 7% per annum. Nevertheless, everything will depend on inflation and the overall situation in our economy.Where is cheaper to buy an apartment on credit
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