50% bought an apartment on credit the Russians went bankrupt and no longer able to pay the mortgage. The Bank continues to clamping vise and to deceive people, deliberately adding to the debt of unknown amount. Experts told whom, and how you can take out a mortgage, and who will lose everything.
The mortgage situation in Russia is not quite as colorful as her paint at banks and official records. Over 50% of all public complaints in 2018 submitted to the Central Bank, have been associated with the inability of people to pay mortgages.
During the year the mortgage was taken at 3 trillion rubles across Russia, which is almost half more than in 2017. But due to the difficult financial situation 50% of the people are simply unable to pay the money. To lose money and an apartment is often the most logical way out for people.
The Russians with the housing loans EN masse become homeless, experts say. In December 2014 the amount of borrowers has increased several times. So, buying an apartment for 6.5 million rubles people received debt plus another $ 12 million. After a couple of years, borrowers began to lose the ability to pay.
Conventional banks are also not standing still, holding people in an iron Vice. Major companies boast of the best programs, but the first couple greeted people pitfalls. For example, you can often see the “10% per annum.” It is important the prefix “from”, which attracts Russians and then allows you to legally add another 3-4%. Network filled with stories about the deception of the banks. So, one man “Sberbank” heated on the mortgage. Thus, at a salary of 30 000 rubles he had had to pay 17 000 for housing. In addition, due to a failure in the system of a man still hung up interest for “penalty” in the form of 5 600 rubles.
It turned out, the basis of “Sberbank” has failed, and is part of the required documents is missing. The Bank considered automatically guilty client and began to deduct money for not providing obligatory insurance policy, which of course was without his knowledge.
This is just an isolated example. Even though people EN masse and refuse to mortgage a home because of inability to pay, because the banks to make concessions never are, but the government is confident that the “market fraud” in 2019 will not fall. In addition, officials expect mortgage growth of 10%.
It is understood that the Bank and the borrower is not a friend, merely an instrument for earnings. Experts believe that to resort to a mortgage can be a last resort. The interest rate will continue to grow, however, there is a range of privileged borrowers and beneficiaries. For example, young families can get a mortgage at 5%, paying from 30-50% down payment. In this case, the purchase of housing beneficial, but in most cases mortgage holds people in a Vice.