The mortgage without an initial payment: unexpected come back?
You still remember the mortgage without an initial payment? When such hypothecary programs only have appeared in the Russian market, many borrowers have hastened to take advantage of it.
But then hypothecary crisis in the USA has spoilt all: banks too were frightened of that in Russia to repeat the American scenario and have started to turn off promptly hypothecary programs without initial payments.
What as a result? Such programs in the market of credits practically did not become absolutely, banks have secured themselves, and here it was necessary to borrowers worst of all: that who dreamt to construct apartment, it was necessary to leave this dream because to collect an initial payment at the today's prices for the real estate too difficult even for middle class.
However more recently it became known that in Russia there can be new rules of the hypothecary market. In particular, in Russia there will be hypothecary bonds which can use banks for attraction of additional means for which account then and hypothecary credits will stand out. At the expense of such bonds banks can рефинансировать any credits, including and the mortgage without an initial payment.
For borrowers are good news. And here for banks? Clearly one: if in Russia also there will be hypothecary programs without an initial payment banks will operate very cautiously and the percent of such credits will be not high. And if to consider, that the statistican under not paid credits already and so frightens many banks, it is not necessary to expect an agiotage and occurrence in the market of a considerable quantity of the new hypothecary programs accessible each. All the same banks became very selective, and is thought, that are expensive are not present back.
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