the Housing boom in the far East caused the mortgage at two percent. Subsidized loans began to give only in December, and in less than two months the people of the region is lodged in banks 4.5 thousand applications.
Already signed more than 400 mortgage contracts. The average loan amount has exceeded 3.5 million rubles.
“the Interest is significant. Still the program is valid short time: people are looking, trying on the real estate, — says Alexander Tsyganov, head of the Department of insurance and social Economics of the Financial University under the government of the Russian Federation. — Do not forget that the far East is a small supply of new housing, quite a large offer of used apartments. People are now in the process of searching”.
the introduction Of a preferential mortgage for residents of the far Eastern Federal district said Vladimir Putin in September. Apply for a loan at two percent can young families in which the spouses are under the age of 35 years. The maximum loan amount to six million rubles, a period of not more than 20 years.
to Obtain this loan and under the construction of housing and apartment on the secondary market, and for construction of houses for “far hectare”.
“about 95 percent of the far Eastern mortgage is for the purchase of new housing and 5 percent for finished housing” — says Eugene Dyachkin, head of mortgage and automobile business VTB.
According to the Ministry, in 2019, almost 20 thousand young far Eastern families are on the account on improvement of living conditions. Preferential mortgage will help them. But another goal of the program is to attract to the far East young people from other parts of Russia.
Now the application to obtain a mortgage for the purchase of the apartment taking seven banks to build a house “far hectare” — three credit companies. The program will involve 14 banks, they will all be available from the end of February.
NaibOlsi interest in the mortgage note in six far East: Khabarovsk Krai, Sakhalin, Primorsky Krai, Amur oblast, Buryatia, Yakutia.
“Just before our conversation I watched the statistics on the growth of prices in the Russian far East. As long as there is even lag on average according to the country”, — says Igor Larin, Director for credit products of the Bank Building.RF.
But not only in the far East, but also in the whole Russia now experts mark growth of interest to mortgage. Although at the beginning of 2019, there was a reduction in the volume of loans issued. But at the end of the year indicators almost returned to the level of 2018.
In the second half of the year, the Bank of Russia began steadily to reduce the key rate, after it began to fall and the cost of borrowing, which attracted potential buyers.