Getting a mortgage in 2012 will be more difficult
Russian banks have begun to take a more balanced approach to potential borrowers. Many of them admit that they began to consider applications for a loan longer, reinsuring themselves against force majeure that may come to our market from Europe. For the same reason, interest rates will also rise. With growing uncertainties in the global economy and vague funding opportunities over the long term, the Russian banking system is beginning to experience liquidity problems. At the same time, mortgages, being the longest money for banks with the lowest rates, were the first to fall victim to the global financial fever. Recently, many Russian credit institutions have begun to take a more balanced approach to the analysis of the solvency of potential borrowers. In particular, some financial institutions for this began to consider applications for a mortgage loan longer. The client is under a magnifying glass The main argument of the bankers is that the quality of borrowers is becoming less clear, and their ability to repay loans is less certain. After all, with the deterioration of the global financial situation, the incomes of the population traditionally decrease, and the likelihood of an increase in unemployment is also high, they emphasize. In addition, financial institutions of the Russian Federation began to treat the assessment of potential borrowers more carefully due to the rise in the price of money in the market. Many at the same time play it safe by raising mortgage rates. Recently, Russian banks have been forced to pay a higher cost for attracting resources to issue loans to individuals. By the way, the standard term for consideration of an application for a mortgage loan is 3-5 business days. In this regard, some were forced to decide to increase interest rates on credit programs. We emphasize that over the past two months, the mortgage rate on the Russian market has increased by an average of 1%. At the same time, today this figure is about 12.1%. As for the future prospects of the mortgage lending market, in the short term, Russian banks will become even more strict about their risks, market participants say. High Future Next year, getting a mortgage loan will be much more difficult, bank analysts say. From the new year on the Russian market, mortgage rates will grow by an average of 1-1.5%, they predict. In this regard, borrowers can be advised not to delay obtaining a loan, because the next opportunity to get mortgage loans at good rates may not come soon. Of course, the situation will largely depend on the state policy in this market. For example, from the desire of the government to capitalize AHML, which could increase the funding directed to this market. At the same time, according to experts, in comparison with other loan programs, mortgage lending rates will grow at a more moderate pace. This indicator will be influenced by the social policy of the state in this area. By the way, the country's top leadership has repeatedly hinted to banks - it's time to cut mortgage rates and seriously. The last time Russian President Dmitry Medvedev spoke on this subject was at the beginning of November in Barnaul. Then he said that "the mortgage should be more or less affordable - not 15%, but in the region of 6-7%." Rusipoteka in many respects the situation will depend on the state policy in this market. For example, from the desire of the government to capitalize AHML, which could increase the funding directed to this market. At the same time, according to experts, in comparison with other loan programs, mortgage lending rates will grow at a more moderate pace. This indicator will be influenced by the social policy of the state in this area. By the way, the country's top leadership has repeatedly hinted to banks - it's time to cut mortgage rates and seriously. The last time Russian President Dmitry Medvedev spoke on this subject was at the beginning of November in Barnaul. Then he said that "the mortgage should be more or less affordable - not 15%, but in the region of 6-7%." Rusipoteka in many respects the situation will depend on the state policy in this market. For example, from the desire of the government to capitalize AHML, which could increase the funding directed to this market. At the same time, according to experts, in comparison with other loan programs, mortgage lending rates will grow at a more moderate pace. This indicator will be influenced by the social policy of the state in this area. By the way, the country's top leadership has repeatedly hinted to banks - it's time to cut mortgage rates and seriously. The last time Russian President Dmitry Medvedev spoke on this subject was at the beginning of November in Barnaul. Then he said that "the mortgage should be more or less affordable - not 15%, but in the region of 6-7%." Rusipoteka which could increase the funding directed to this market. At the same time, according to experts, in comparison with other loan programs, mortgage lending rates will grow at a more moderate pace. This indicator will be influenced by the social policy of the state in this area. By the way, the country's top leadership has repeatedly hinted to banks - it's time to cut mortgage rates and seriously. The last time Russian President Dmitry Medvedev spoke on this subject was at the beginning of November in Barnaul. Then he said that "the mortgage should be more or less affordable - not 15%, but in the region of 6-7%." Rusipoteka which could increase the funding directed to this market. At the same time, according to experts, in comparison with other loan programs, mortgage lending rates will grow at a more moderate pace. This indicator will be influenced by the social policy of the state in this area. By the way, the country's top leadership has repeatedly hinted to banks - it's time to cut mortgage rates and seriously. The last time Russian President Dmitry Medvedev spoke on this subject was at the beginning of November in Barnaul. Then he said that "the mortgage should be more or less affordable - not 15%, but in the region of 6-7%." Rusipoteka This indicator will be influenced by the social policy of the state in this area. By the way, the country's top leadership has repeatedly hinted to banks - it's time to cut mortgage rates and seriously. The last time Russian President Dmitry Medvedev spoke on this subject was at the beginning of November in Barnaul. Then he said that "the mortgage should be more or less affordable - not 15%, but in the region of 6-7%." Rusipoteka This indicator will be influenced by the social policy of the state in this area. By the way, the country's top leadership has repeatedly hinted to banks - it's time to cut mortgage rates and seriously. The last time Russian President Dmitry Medvedev spoke on this subject was at the beginning of November in Barnaul. Then he said that "the mortgage should be more or less affordable - not 15%, but in the region of 6-7%." Rusipoteka
