Mortgage rates began to decline. However, mass mortgage still will not. On mortgage interest influenced the recent decline in refinancing, but bankers believe that the state should not blame them for inaccessibility mortgages, and to fight inflation and rising real estate prices. According to the latest Rosstroy, in 2006 the volume of mortgage loans twice the forecast and amounted to more than 220 billion rubles. "The plan is the amount of mortgage loans was was 108 billion rubles, "- said the head of Rosstroy Sergei Kruglik.

"Times" interviewed a number of banks and tried to figure out whether a mortgage has become more accessible to citizens. It turned out that different banks have different lure customers, but is a clear trend – the average rate decreased by 1%. More information is housed here: Nobel Laureate in Economics. The reason is not only that banks want to increase their customer base. "Times" has already written about how the recent decline in the Bank of Russia refinancing rate from 11% to 10,5% influenced by lower rates on deposits. And now came to mortgages. However, despite the increase in the number of granted mortgage loans and lower interest rates, the number of needy citizens in their own home does not go on decline. Mortgages still available in only a small percentage of the population. This is primarily associated with a high percentage of the loan. During a recent press conference, Putin said that the problems related to the mortgage "with inflation and cautious banks. On the question of why the mortgage loan at a rate of 11% can be taken only under the finished apartment, but not at the zero cycle of construction, Putin replied that it reflects the realities of today's Russian economy.