The acquisition of housing continues to be one of the acute problems in many families of Bashkiria. The other day, a conference was held in Ufa, the participants of which discussed the issue of improving the mortgage conditions in the direction of its accessibility for most citizens of the republic without increasing banking risks. The meeting at the “round table” was attended by realtors, representatives of banking organizations, mortgage brokers, and employees of the media.
A significant increase in the cost in the housing market, observed recently, caused the organization of this event. Over the past two months alone, the price for one square meter in the secondary housing market has increased by an average of 10% and now amounts to 53 thousand. rubles. The average rate of mortgage rates has also changed, it increased by 1%, while during the period last year the rates gradually decreased from 13.2% to 12% of the autumn-winter.
At the same time, the demand for housing lending in the republic remains high. Currently, Bashkiria is in second place in the Volga Federal District in terms of the volume of mortgage loans, this was stated by Evgeny Decatov, who is the deputy head of the department of the Economic Administration of the National Bank of the Republic of Belarus.
The current 2012 was marked by the double increase in activity in the real estate market. However, bankers are concerned about the fact that the increase in value and increase in mortgage rates outflow of potential borrowers will entail? In addition, forecasts indicate that in the near future the growth of these indicators will remain. Therefore, many participants in the housing market would like to preserve the results in the field of mortgage lending, they hope to do this with the help of state programs. First of all, this applies to the program to subsidize some of the interest rate on housing loans, as well as the implementation of the project to create a housing construction accumulation system in Bashkortostan.
According to the results of the discussion, the meeting participants came to a consensus that it is possible to resolve the issue by increasing the number of new housing related to the category of economy class. After all, it is this type of residential real estate that is now the most popular in the republic.
