Cheap MORTGAGES - FORGET! - News about real estate, Kiev, Kyiv region. Real Estate In Ukraine

Cheap MORTGAGES - FORGET! - News about real estate, Kiev, Kyiv region. Real Estate In UkraineThe Ministry of regional development and construction has finally determined the terms of the distribution of money for the completion of housing with the degree of readiness of at least 70%. The decision of the Ministry of developers and...Cheap mortgages more to be seenThe Ministry of regional development and construction has finally determined the terms of the distribution of money for the completion of housing with the degree of readiness of at least 70%. The decision of the Ministry of developers and individuals will be given loans to 14.6% for up to 30 years.Two billion through the state-owned Oschadbank and Ukreximbank will go to construction companies. One billion is intended to individuals. Loans they will issue the State mortgage institution.Deputy Minister of regional development and construction Dmitry Isaenko considers the interest rate of 14.6% very reasonable. "It is formed from the discount rate of the national Bank, which, according to estimates of the Ministry, is 12.1%, plus 2% on account of the Bank providing the loan, plus 0.5% goes SMI", - said the Deputy Minister.However, in state-owned banks to the initiative of the Ministry reacted very cautious. They think their lending unprofitable for financial institutions.Representatives of state-owned banks, which should lend for public funds developers to the project of the Ministry reacted with disbelief. Member of the Supervisory Board of Ukreximbank Victor Topolov convinced that the term of the loan to developers to 30 years were significantly higher. Earlier, the government imposed a restriction on terms of crediting till 30 months. However, now in the Ministry claim that this deadline will be extended to 30 years. In addition, in his opinion, the list of objects that will be completed at the expense of the state, should determine the Bank."The criteria of the Ministry according to the degree of readiness of objects and their value biased," says Topolov.The head of the Supervisory Council of the Bank Danylo Volynets added, and the rate of 14.6% in UAH will be insufficient to service the loan. "Inflation this last year and above this rate, he says. - I think that 20-22% is the minimum that you can expect in today's environment".I agree with bankers and developers. According to the honorary President of the Corporation "Kyivmiskbud" Vladimir Polyachenko, banks are unlikely to agree on such conditions. "I think these conditions, the Ministry will adjust," explains Polyachenko.And still no moneyAt the moment, for the completion of claim for public funds 456 objects. According to the estimates of the Ministry, for the completion of these facilities is necessary to 7.4 billion UAH. In turn, the government is prepared to "sponsor" the industry is only 3 billion USD. However, while the money nor the State mortgage institution (SMI), neither the state banks have not received. As explained in the Ministry, the first billion SMI will receive next week. These funds will be directed to crediting of the population."First of all, we will provide loans to those people who stand in line for an apartment," - says the Deputy Minister of regional development and construction Dmitry Isaenko. Credit will be given to citizens on the basis of norms 21 square meter of housing area per family member plus of 10.5 square meters per family as a whole. The lending scheme is as follows: the State mortgage institution provides one of the state banks (Oschadbank and Ukreximbank) target loan for the lending. Credit will be issued for 75% of the cost of housing.The remaining 2 billion will be used for lending directly to the developers themselves, who will get the money through the state-owned Oschadbank and Ukreximbank. The Cabinet has pledged to financial institutions money in April. The advantage of financing the completion of housing for the state account, the Ministry will give those of 456 objects whose builders will offer facilities with the highest degree of readiness at the lowest cost.In addition, at the insistence of the Union of construction, the allocation of the first billion, the Ministry will pay attention to whether the construction company owed wages to employees. According to estimates Vladimir Polyachenko, according to these criteria, the state will be able to Fund the completion of about 60 objects.Completed in the fallNeither banks nor the developers were unable to specify the actual dates of commencement of this programme. "I think by fall we will have a fully working mechanism," concluded Daniel Volynets. A similar opinion is shared by Vladimir Polyachenko.



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