Credits on Kreditos

And how at them?

Whether there is a hypothecary system in other countries? How it works?

Still anywhere and never, in one country the housing problem has not been solved without mortgage use.

Yes, many do not trust in the mortgage. In this occasion it is possible to tell the following. People who can buy something expensive on credit, always approximately ten times more than those who can buy expensive thing at once. Therefore that the mortgage will work, and people with its help will buy habitation, doubts at experts do not arise.

In many countries of the world habitation acquisition on credit is not only the basic form of the decision of housing problem, but also economic activities sphere, a key role in which play bank and other credit structures.

The state in this case, wins much. First, the housing problem dares, it is not necessary to solve questions with distribution of municipal habitation, and secondly, hypothecary money is a good investment money. At the same time the developed mortgage gives building boom. China very actively uses for a long time already hypothecary programs because of reduction of economic growth in connection with the Asian crises.

At Americans the system has some features. Banks sell mortgages on the apartment, bought under the mortgage. Then on the basis of these mortgages of agency emit secondary securities. The money obtained for securities comes back in banks, them again puts in the mortgage.

At Germans system single-level. There savings and loan associations - special. They are engaged in other bank operations, but very much ограниченно. Banks let out secondary securities. So they receive additional money for реинвестирования in the mortgage. Also Germans have a system of loans in savings banks: the people beginning with zero, as though prove, that can pay the certain sum of month, accumulate in these cash desks money.