The mortgage will solve a demographic problem?


Hypothecary credits become recently more and more claimed, however dynamics of development of the mortgage completely not such about which with enthusiasm officials tell. While of hypothecary credits everyone can take advantage far not, however prospects are.

Some officials assert, that hypothecary credits allow to keep a family. After all at the hypothecary credit spouses have new obligations and if divorce procedure to spouses should be divided also the habitation on which the credit is paid begins. If the borrower does not consist in official marriage, and the habitation is issued on someone one the partner has no right to apply for such habitation. The majority of the people consisting in official marriage, act созаемщиками or guarantors under the credit of the spouse. In this case obligations on credit payment lay down on both spouses and dependence of spouses from each other increases.

In the West the situation has changed for a long time already. Seizing is not a priority, and the majority of Europeans prefers to rent habitation. In Russia while it is very important to have own apartment, therefore officials to hope that if the mortgage becomes more accessible, divorces becomes less. However while it is difficult to believe in it, as the quantity of divorces though has decreased, but absolutely slightly.

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This entry was posted on Tuesday, November 20, 2007 at 12:23 пп and is filed under About credits in general.