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Mortgage lending -> history of mortgage lending" class="menua"> -> history of mortgage lendingConditions of mortgage lendingDocuments for mortgage loanThe program to the young family accessible habitationOf the innovation to the young family accessible habitation

Contacts Reference catalogue Preferential crediting of habitation Preferential crediting of building How to privatise apartment Gratuitous grants for habitation Documents for reception of grant





History of mortgage lending

History russian Mortgages was formed till 1917, had the perfect and finished development, elements of the russian mortgage were are taken by different countries For application And the further development, therefore much of modern western innovations Of mortgage lending today Are perceived As <another's>, On true The russian roots.

The mortgage is a pledge of real estate with reception Of mortgage loan, giving the chance to get Habitation. any real estate which is in the property of the borrower can be put, the real estate got on credit is very often put.

The russian mortgage existed till 1917, had the perfect and finished development, elements of the russian mortgage were are taken by different countries For application And the further development, therefore much of modern western innovations is perceived today As "another's", On true The russian roots.

The situation paradoxicality consists also that today in russia it is necessary to begin process of formation of institute of a mortgage with "zero" - experience of the russian pre-revolutionary mortgage is lost.

Compare: on the average in usa On one The person it is necessary 64 sq. m Of habitation, in the developed countries 30-45. only every tenth inhabitant of russia has the area more than 18 sq. m, about third of population have less than 9 metres. annually in russia only one family from 100 gets new Apartment. if to it to add a problem of ageing of available housing with Habitation In russia it is possible to name position catastrophic.

Not to do without russia any more involvement of all possibilities of a civilised mortgage, and the mortgage can and should become base To raising Of economy of russia. the example of many developed countries shows that together with solution of a problem Of habitation Promotes formation in the state of qualitatively new financially-credit relations, financial and economic stability at the expense of the advanced market of mortgages and securities.

So, in the usa mortgages make more than 4 of 15 bln. dollars of a total cost of securities being in circulation with the fixed income. the state securities - 4,8 bln. dollars have bolshy volume only. in general in the usa in cost expression than 2/3 real estates are put more.

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