Number of real estate transactions involving mortgages this year was about 7% of the total. This is about 3% more than last year, but, nevertheless, more than 10 times smaller than that of the "pre-crisis" of 2007, the resource DOM.ria.ua.
Buying leveraged funds are mainly popular in the segment of homes valued up to 150-200 thousand dollars. The average loan amount for this varies from 30% to 50% of project cost. The interest rate is within 16.5 - 19% per annum, rarely below 15,5%.
The main factors for this low involvement loans for home purchase - precarious financial situation of the borrower, unreasonably high interest rates, excessive demands of banks to the borrower, as well as low levels of customer confidence in banks. In addition, buyers scared the availability of loans to the hidden nakrutok - sometimes instead of thethe stated 16 %rate as a result of all the hidden fees reaches 22-23 %.