Tymoshenko has DISTRIBUTED LOANS! - News about real estate, Kiev, Kyiv region. Real Estate In Ukraine

Tymoshenko has DISTRIBUTED LOANS! - News about real estate, Kiev, Kyiv region. Real Estate In UkraineThe Cabinet of Ministers approved the procedure for granting mortgage loans, which in turn will be transferred to the end...Tymoshenko hurry to recapture the money for unfinishedThe Cabinet of Ministers approved the procedure for granting mortgage loans, which in turn will be transferred on completion of construction of housing with the degree of readiness of 70%. In this document the government has imposed restrictions on terms of crediting till 30 months. Experts say that in this period it is unlikely anyone will be able to repay the debt to the state.Interest rates are not yet knownThe lending scheme is as follows: the State mortgage institution provides one of the state banks (Oschadbank and Ukreximbank) target loan for the lending. Credit will be issued for 75% of the cost of housing."Priority right to obtain the mortgage loan have borrowers-citizens who are on the housing register requiring improvement of living conditions", - the document says. Credit is provided to citizens on the basis of norms 21 square meter of housing area per family member plus of 10.5 square meters per family as a whole. In the case of exceeding the regulatory area of housing the borrower pays it for the money.While it is not clear what interest rates will be paid by the citizens. As reported in the press service of the Ministry, it will be defined in other ordinances of the Cabinet.The Ministry had previously made the offer to pay at the minimum rate of the national Bank plus 2%.The credits will remain unclaimedAccording to experts, to repay the loan in such a short time would have been impossible even two years ago, when together with the growing economy, growing wages and the rate of the dollar against the hryvnia was relatively stable. Then mortgage loan for five years was extinguished in an average of two years and ten to four to five years.Recall that in the pre-crisis period, the average maturity of debt to banks amounted to 5-7 years. If we consider that the average cost of a one-room apartment in the primary market of Kiev is 50 thousand dollars, 75% of this amount will be 37.5 thousand dollars. Thus, even excluding interest only on the principal every month people will have to pay 1.25 thousand dollars."In the current situation, people who can afford to pay for such short-term credit units. First, the growth of incomes of the population decreased by approximately 34-40%. Second, if you count the cost of housing in UAH at the new rate, we will reach the price a year ago. Summary - pay this loan in this situation is unrealistic," - said the head of the Board of the credit Union "Volodar" Svetlana Ticka. However, she notes that today the mortgage arrears 20-30 years is 30%.According to the press service of the Ministry, now formed the final list of unfinished projects with the degree of readiness of 70%. It includes 415 objects. Earlier, this list consisted of 360 houses. As explained in the Ministry, the increase in the number of houses is due to the fact that after the formation of the list of companies and regional authorities continued to receive applications for state support."So the list grew to 415 objects.



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