загородная и зарубежная недвижимость
In May and June financial institutions declined slightly compared to mortgage rates: from 26-28 to 25-26% per annum. In this case, however, appeared promotion offer (under specific sub-contractors): loans are granted under the 22-24% APR, and in some cases - under 11% per annum (see table).. Do not change the size of one-off commissions for making loans - 1-3% of the loan amount. As in the case of auto loans, the minimum contribution was reduced from 40-50 to 30-40% of the value of real estate. Significantly increased duration of funding: from 5-10 to 10-15 years. "Now nobody will, as before the crisis, recklessly increase market share. Banks are more likely to consider the return on equity, efficiency and profitability, weighted for risk. Terms of borrowing to buy real estate, most likely, for 2010 will remain in the range of 10-15 years ", - commented the" DS "situation on the market, Mr. Borsevici.
According to financial experts, until the end of 2010 conditions in the mortgage segment will not change. Even with cheaper resources, they do not plan to lower rates on loans, putting them at increased risk, which is seen today in the market.
Promise a better life in 2011
In retail loans noticeable increase in demand financiers have not yet predict. It is expected that citizens will increasingly look closely to the new proposals from banks until the second half of August. "I think people were bored and needed to resume lending", - said Marina Nesterovskaya. But the appearance in the credit segment of new powerful players no one is waiting. "Yes, and expect any appreciable liberalization of loan terms (rate, size of deposit) is also hardly worth" - assured the "DS" Igor Shevchenko.
A new wave of easier credit conditions financiers predicted only in 2011, they expect that at the same time be able to deploy prohibited currency loans. "As soon as the moratorium will expire on currency crediting physical persons entered before January 1, 2011, the market will be immediately visible loans in hard currency. Many banks have long been waiting for, when they were finally allowed to place the accumulated foreign currency liquidity in active operations ", - said" DS "department director product management, retail business VAB Bank Anton Shaperenkov.
Only next year financiers expect to go on the positive dynamics of growth of credit portfolio physical persons. According to current projections based on the work in 2010, our retail portfolio of the financial institutions decreased by 10% (about 20 billion UAH.).
Elena Lysenko
"Business Capital"
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