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Zhilfin experts: they will not let you earn money on the “Far Eastern mortgage”
Experts of the information portal Zhilfin.rf (within the framework of the project of the Ministry of Finance of Russia on financial literacy) held an event in Yakutsk for owners and tenants of housing. One of the main topics was the “Far Eastern mortgage”.
According to experts, it will not work to take an apartment at 2% and get profit from it. In the acquired housing will need to register and live there for at least five years.
“This is an important condition, they will monitor its implementation in order to protect themselves from people who want to get a profitable asset at a small percentage,” said project expert Zhilfin.rf Anastasia Podrugina.
Since the program has just begun to work, it will still be amended and supplemented by requirements for borrowers. It is not forbidden to sell purchased housing, but there will no longer be the opportunity to again take an apartment in a mortgage at 2% - it is issued only once. Moreover, if one of the spouses issued such a loan with his ex-wife, he will not be able to take it with a new one.
After the start of the program in Yakutsk, housing prices rose, now per sq. meter in a new building will have to pay more than 100 thousand rubles. Similar situations have developed in other regions of the Far Eastern Federal District.
“There was a rush of demand, because the“ Far Eastern mortgage ”was launched, under which developers held apartments and put them at higher prices. Plus, the Central Bank continues to lower rates, which leads to the fact that more and more people can afford to buy an apartment. Most likely, the moment of rush demand will not be long-term and will pass soon, ”Anastasia Podrugina explained.
Experts reminded those who are going to apply for a mortgage at 2% that they must meet all the criteria of the bank, and not only be younger than 35 years old and have a child. It is necessary to confirm your solvency, have a good credit history.
“The bank may doubt the reliability of the borrower if he does not take out life and housing insurance. In this case, the bank may even increase the interest rate on the loan. At the same time, you need to understand that insurance and additional fees are also money, so there will be no net 2%, ”the expert noted.
Experts and sensitive topics of Yakutia touched - dilapidated housing and problems with management companies. The meeting participants were told how to prove the illegality of the “command” actions, what punishment she could receive for not fulfilling legal requirements. They also explained what to do if the house was declared emergency, but was not included in the resettlement program, and it was impossible to live there. Experts recommended to assert their rights, apply to the court and complain at the higher instance if they do not agree with the decisions made by the courts earlier.