According to her, the economic situation has become considerably more favorable. "Banks have the prospects for mitigating the credit conditions - this loyalty to the client, and the lengthening of loan terms, a reduction of interest rates, - says Mr. Melnikov. - Judging by the trends that is, returns the confidence to invest in the deposit.
Related article: Banks revive mortgage lending programReal estate companies are hoping that the shoulder for the restoration of the pre-crisis sales volume fills in the banking system.
In turn, the heads of financial institutions still wary of too great interest in mortgage lending, although they say that certain groups of borrowers will be able to count on the money banks.
"Definitely would not approach pre-crisis, when credit is given all who asked. Selection will be tough, but not so stringent as it was in 2010, "- said the first deputy chairman of the Commercial Bank Alexander Vedyahin.
According to the banker, the trend could be further rate cuts, reducing the amount of initial deposit up to 25-30 from the current 50-70 percent, and the start lending in the so-called "soft" currencies, such as the Russian ruble. At the same time banks are not yet ready for mass mortgage - a reference to them is to place a value of 300 thousand dollars.