In the West, the vast majority of the population have long been accustomed to live 'in debt'. Moreover, buying on credit, mainly real estate. Without fear or doubt become expensive homes, almost all my life but pay the mortgage And live Good luck! Can not we too? It's no secret – accommodation in Perm now expensive. Causes a rise in prices – and not very objective – a lot. But this is a topic for another material.

Especially because many would not cost a square meter, the acquisition of Housing remains in the list of priorities for almost any family. Still too early to talk about the creation in the region of affordable housing as a fait accompli. However, Perm-city, not without opportunities. On the market today Property running multiple schemes offering Perm inhabitants acquire housing, paying for it for several years. Another thorny issue – the mortgage. Attitude toward mortgage today is ambiguous. Skeptics argue that the classical scheme of mortgage lending, we can not yet realized.

Arguments are simple: there can not be our borrowers because of high housing prices and exorbitant interest rates. And those who find the money for a down payment and interest payments on loans are not always of the 'target audience', for which established a similar mechanism. Some experts even argue that the mortgage was not created for people, but in the interests of the state: housing loans are used primarily as a strategic mechanism for the involvement of the housing construction sector through long-term financial resources for all other industries. Meanwhile, in the several regions of Russia set up and operate a truly market-based system of mortgage lending. And the number of people wishing to participate in the scheme far exceeds the financial possibilities of the region. Bank lending. Today, banking institutions engaged in self-lending to households to purchase real estate. It is believed that the bank generally considers private contributions as a platform for development. Volume of loans granted to the population of real estate in the past 2 years increased faster pace compared to the volume of loans for other species. It is also important that, as claimed by themselves bankers, bank lending for the purchase and construction of housing has good prospects for development. Along with the stabilization process of socio-economic situation in the country banks is a gradual reducing interest rates on loans to the population, including long-term loans for real estate. Increases the supply of various types of lending for housing. The main reason lack of access to bank loans for a wide range of population is usually called the rather stringent requirements for the creditworthiness of borrowers. In addition, one of the conditions for obtaining a loan is revenue transparency client. However, in light of unfolding in recent combat pay 'in the envelope', this problem may disappear by itself. Here are, perhaps, we can draw conclusions. I really hope that article like it residents of Perm.