Sales of houses and cottages
On the outskirts of Moscow buildings are taking a mortgage three times more than in Moscow

During the first quarter of 2011 the share of mortgage transactions in the primary market in Moscow and the region three times higher than the same period last year. The share of mortgage transactions in the suburbs is almost three times more than in the capital. The average loan amount, involved the acquisition of apartments in the building is 3,000, 000 rubles. These are the results of the first quarter of this year in mortgage lending in the market of new buildings of the Moscow region. According to the “New Miel”, today the share of mortgage transactions of total purchases and sales of apartments in buildings of Moscow and Moscow region is on average 37%. For comparison, in the first quarter of 2010, the share of mortgage transactions did not exceed 10%. The largest share of mortgage transactions performed in the Moscow region – 74% of all mortgage deals of the Moscow region, Moscow – 26%. The average rate on ruble loans when buying apartments in the building now accounts for 13-14% to the registration of property rights. Minimum rate – 8% of the special shares of Sberbank of Russia, “888″. For comparison, in the first quarter of 2010, the average rate on ruble loans reached 14-15%, a rate for the year decreased by 1-2%. The average rate on the loan in dollars is about 11%. The minimum rate – 10%, maximum – 13%. For comparison, in the first quarter of 2010 programs on dollar loans were rare and in demand. The initial payment today is, on average, 15-20% of the cost of the apartment. The minimum down payment – 10% is proposed in the framework of the Savings Bank “Young Family”. For comparison, in the first quarter of 2010 down payment of at least 30-40%. Average amount of loans taken today the acquisition of apartments in the building is 3,000, 000 rubles. The average rate on loans taken for purchase of objects “Miel New” – 13-14% in rubles to the registration of property rights. On average, the loan is drawn for 15-20 years. The greatest demand for mortgage borrowers use a two-and three-room apartment. The share of two-bedroom apartments of 38% of total mortgage apartments, three bedroom share – 28% in the remaining 34% consists of one room and four apartments. Among the requirements of the bank to the borrower the following changes in the direction of greater loyalty. Almost all the banks proof of income has become possible in the form of bank (in the first quarter of 2010 only in the form of 2-PIT). Reduced the age limit of the potential borrower (for example, in Gazprombank from 25 to 22 years). Number of co-borrowers increased to three.

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