the Key difference between Moscow and other regions of the country – the credit on a preferential mortgage there can’t be more than 8 million rubles. The same rule applies in the suburbs, Saint-Petersburg and the Leningrad region. In other regions of the “ceiling” is 3 million rubles. This difference is explained by the fact that in the capital and housing prices markedly higher.
Another condition for participation in the mortgage downpayment in Moscow – at least 20% of the cost of housing. The average price of apartments in new buildings of the capital today, at 10.9 million rubles. This means that to purchase it is necessary to have in your pocket is not less than 2.9 million, or 27 percent of its value, and the remaining 8 million to take a soft loan. However, the managing partner of a real estate company “Metrium” Maria Litinetskaya says that about 45% of the buildings you can still find options that will be enough, and a 20 percent down payment. That is the price to 10 million rubles. For example, with “small” problems do not, but two and three for the money you can only buy in the suburbs or in New Moscow.
Now about the economy. Let’s count. Let’s say you have chosen a one-bedroom apartment in new building in Nagatinsky Zaton district for $ 10 million. 2 million you have, 8 want to take a loan. Before the advent of subsidized mortgage even rate of 9% was considered a success. To pay for housing for 20 years I would have almost 72 thousand rubles a month! Now recalculate grace under 6.5 percent. Payment then falls to 59.6 thousand. That is, the economy – more than 12 thousand a month. And this for two decades! Agree, very nice.
not surprisingly, the respondents “RG” banks and developers talking about the growing number of complaints about preferential mortgage. The press service of VTB Bank, for example, said that since April 17, was attended by almost 1.2 thousand applications for such loans: “Almost a thousand of them have already been approved. Expect that will be even more calls – up to 300 a day.”
And yet to speak about the revival of the housing market yet. Construction is still frozen, the sales offices of builders are closed, potential buyers mostly sit in isolation. “The problem now is more the inability to fully realize the demand for housing, – told “RG” in the press service of one of the largest developers of the country, the group “LSR”. – Despite the willingness of developers, banks and government services to enter into transactions remotely, many clients are not ready to make a final decision about buying an apartment online. Such is the nature of the housing market”.
However, there are also customers who are not deterred by the prospect of seeing his apartment after purchasing it. Largest Builder of Russia, GK “PEAK” the first apartment at a discounted rate sold just remotely – it was bought by a resident of Penza, taking a loan for 4.2 million rubles. “All stages of the transaction, ranging from the SELora apartments and ending with the signing of the documents held on our website, with no contact with our managers or the Bank”, – told in the press service of the Builder.
