Judging by the terms of opublykovannыm, the Government hopes one program "kill" immediately Trejo Zaitsev: umenshyt kvartyrnuyu queue, complete dolhostroy Housing and solve the issue investors, vlozhyvshyh money in zamorozhennыe BAU, writes UNIAN
The program is designed for people nahodyaschyhsya to record the flat, and apartments will be in the facility pryobretatsya incomplete construction. Bank: will be predostavlyatsya to 15 years in UAH under the maximum 16% per annum. In so doing zaemschyk pays the loan 3% and 13% Difference in emu kompensyruet state.
Yspolnytel program - Ministry rehyonalnoho development, construction and housing and communal services - expects this year vыdat 30 thousand. credit, housing 2.6% obespechyv ocherednykov (Total in Ukraine on kvartyrnoy queue worth 1.138 million Man).
Vprochem, in the near rassmotrenyy proved that discharge from the program okazalas "not of all" and dostupytsya will be able to nee not all zhelayuschye - as ynvestorы, and so zastroyschyky, and banks. Participants market not vыskazaly person Delight in wake neslыhanno nyzkoy lending rates, reasonably noting that the only money Enough At this hour, and no continuation funding deshevaya ypoteka soydet "for no." Zastroyschyky believe the that the program will nevыhodna chastnыm company, and state-owned Rather zaynteresuet lybo kommunalnыe company. At the same time bankyrы want the guarantees and compensation for predostavlenyya They say that the pouchastvovat in the program will be interesting to lybo hosbankam, lybo banks, who zahotyat yzbavytsya from dolhostroev already nahodyaschyhsya in s portfolios.
"Kyevhorstroy" wants to participate
Yshodya uslovyy from the program, predlahaemaya cost housing to purchase a little Do not Ravn sebestoymosty construction, especially in the capital. Therefore zastroyschykam, who was awaiting "repelled" suffered in proshlыe Years zatratы on sverhprybыly rasschytыvat not pryhodytsya. Obviously, something to participate in the program will be able zastroyschyky keeper-housing, and preymuschestvenno in the regions than in Kiev, where korruptsyonnaya sostavlyayuschaya cost apartments in traditionally Peak. In the program zastroyschyky dolzhnы sell housing to 7 thousand. USD. / sq in Kiev, and ego rыnochnaya price on the outskirts of the capital the average sostavlyaet nine thousand. USD. / sq.
How much should I ukrayntsu stores up to the apartment
In the views developerskoy projects director of the company "NEST" Vitali Hrusevycha, Programs Rather zaynteresuet state-owned or kommunalnыe stroytelnыe company. A Private Company, perhaps, zahotyat sell apartments in the houses of Primary stadyy construction. He believes that in the regions, not cities of Chill-myllyonnykov, эta program more than realystychna, poskolku zatratы the construction there znachytelno below.
"If proanalyzyrovat Kiev Marketplace, you now even kommunalnыe enterprise prodayut else unfinished housing on the outskirts of Kiev at a price higher than 7 thousand. USD. Therefore chastnыm company-zastroyschykam topics will be more than nevыhodno sell apartments on such price. If Getting srednyuyu sebestoymost construction per square meter keeper-housing, which will be in Kiev sostavlyaet order of 5.6 thousand. USD, the cost arendы land plus construction and Connect kommunykatsyy, taxes, etc., definitely more than the sum poluchytsya seven thousand. hr / sq. m "- said Mr. Hrusevych.
Together with topics president holdynhovoy Company "Kyevhorstroy" Igor Kushnir believes that the program will vostrebovana zastroyschykamy and announced plans on holding to participate in the neutron with a dozen facilities in Kiev and neskolku - in the region.
"The cost per square meter in the program indeed Technology and k sebestoymosty construction, but how uchtenы interests of Ukrainian citizens, as and construction companies. In the program propysanы dopolnytelnыe terms "for settlements, raspolozhennыh in 15-kylometrovoy zone from Kiev, Sevastopol, Simferopol and of regional centers, the cost of housing raschetnaya Maybe uvelychena by 10%. Permitted excess normatyvnoy Square and raschetnoy cost of housing is not something more than 25%. " Therefore PAO HC "Kyevhorstroy" will rasschytыvat on nevыsokyy rate of return "- explained online.
The plans of the company - propose to the program in novostroykah apartments in Zhitomir and Sevastopol (the construction will go on year in 2012), in Lugansk and Yalta (obъektы nahodyatsya in 50% Class Noah readiness), as well as a number tselыy facilities in Kiev, clarified Mr. Mr. Kushnir.
President holding company added that for the first week of work program guidance "Kyevhorstroya" received the vicinity of ten proposals on cooperation in the framework of the program dannoy from banks 1 and 2 group, who opredelenы ruling as a potentsyalnыe program participants (total 36 banks).
Banks Needs Guarantee
Oproshennыe banks vыskazaly desire to participate in the program ypotechnoy (though in nekotorыh fynuchrezhdenyyah CEI issue only yzuchayut). Cause of this - LOW protsentnaya lending rate of 16% in average Effective rate near 20% and the absence of financing guarantees dolhosrochnoho deshevoy ypoteky.
"To date," Ukrsotsbank "not ymeet possibility vыdavat mortgages under 16% because of cost fondyrovanyya vыsokoy enough" - said the head of department of relations with estate agencies and zastroyschykamy PAO "Ukrsotsbank" Bogdan Haponyuk.
Impossible vыdavat loans under the Maximum 16% for 15 years, when the deposits in the market pryvlekayutsya under 18% maximum per year, he said.
"I'm not sure that the banks will BELIEVE IN TEARS word obeschanyyam government compensate bet on protyazhenyy definitely, enough term duty," - he added bankers.
Rent apartments kievsky podorozhaet at 7 every time Euro-2012
Haponyuk believes that this rate will be able to state-owned banks zaynteresovat, who ymeyut access rolled more than a cheap Monetary resource. In so doing, the issue remains under bolshym readiness hosbankov Working with zastroyschykamy on corporate lending.
Possible variants for banks - to participate in the program with konkretnыmy dolhostroyamy of specific zastroyschykov, kotorыh They kredytuyut.
"In most cases Such obъektы nahodyatsya already in arrears problemnoy portfolios in banks. And so when zayavlennoy support of the state bank would aid realize zastroyschyku zhylыe Square on profynansyrovannomu in duty, the facility and smog would again by CEI loan portfolio obsluzhyvaemыh, polahayas to it that the financing of dopolnytelnoe joined together under zastroyku, Construction company will be able to complete construction and repay the loan svoy obyazatelstva ", - considers the director of marketing department roznychnoho byznesa« VAB Bank »Igor Shumytskyy.
In addition to bank snyzhayutsya risk of collateral facility. At the expense of issuing mnohochyslennыh of retail credit fynuchrezhdenye gets more than the shansov to it that the napravlennыy to do this, lending facility resources partially or fully kompensyruet ubыtky bank, who on neset by the facility, he added.
Compensation per hour - Èãðà the "roulette" with the state?
By estimates of the market participants, Theoretically conditions for ocherednykov on the program ypotechnoy vыhlyadyat very pryvlekatelno.
"Ypotechnoe lending under 3% exceeds ñàìûé smelыe delay ocherednykov, Ved эta rate even lower than than in Europe, in all kotoruyu pryvыkly ravnyatsya. Vыhoda for consumers is obvious "- believes the president" Kyevhorstroya. "
Nevertheless, it should be nastradavshymsya investor novostroek nobility and at bar, Ved funds for compensation raznytsы Interest 30 thousand only zaemschykov Enough At this hour, stressed executive director of the National Ukrainian ypotechnoy Association (UNYA) Paul Matyyash.
"Dannaya program has not yet ymeet zaschyschennosty article as a budget. Probably, some kind of step from the Ministry dolzhen bыt - submit from Cabinet Ministers to the Verkhovna Rada the bill, who would zaschyschal эtu article on buduschye Years, how mynymum in the same volume obъeme. If everyone will h although in billion would then These 30 thousand. credit will be able to properly obsluzhyvatsya. If in the next year will not do this, billion, the banks in svoyh contract would propysыvat rыnochnuyu bid. If will not be compensation for, all zaemschyky vernutsya k a market rate as a mynymum, 16% "- he said.
In the views P.Matyyasha, if not will vыplatы government guarantees compensation for the entire term lending, participate in the program Commercial banks ostanetsya under question. "If not will be in 14 years sleduyuschye ydty compensation, people in bad prevratyatsya zaemschykov" - said the executive director UNYA.
Rent apartments in Kiev again podorozhala. Prices in areas
With him solydarnы and most bankyrы. If The State Guarantee predostavyt zayavlennыh compensation of demand co Sides population Maybe vpolne dostatochnыm with taking into account the sotsyalnoy napravlennosty project, considers the Director of Marketing roznychnoho byznesa «VAB Bank."
In doing so, I. Shumytskyy aktsentyroval attention to the volume that the banks-participants of the program will be vsyachesky svoy reinsure risks - above all from ottalkyvayas sobstvennыh of opportunities AVAILABILITY dolhosrochnoho resources, opportunities otvlechenyya ego, as well as at the expense zhestkoy assessment as a very zaemschyka and a market situation, and so at the expense of assessment attractiveness of the facility.
Topics more than that the Adoption solutions to issue ypoteky fully otdaetsya on otkup banks. "And with taking into account the fact that the compensation for protsentnoy rate The State will vыplachyvat lysh of $ SUM budget, under predusmotrennыh These vыplatы per hour, not in fact issuing credit, banks will be ostorozhnы with issuing such credit" - Added bankers.
Together with themes surprise experts vыzvala verhnyaya plate annually income family, which will be on lhotnuyu could pretendovat ypoteku, Ved with income of 400 thousand. UAH housing you can buy it would be svoymy forces. Such a razbros in income can lead to spekulyatsyyam with Gilles, believe the market participants.
Guarantee that the home will be zhylыe dostroenы within эtoy program also there. All upyraetsya in the organization process control by construction: if ego naladyat how you need, with the participation klyuchevыh fyhurantov program, completion of enough likelihood Peak.
Effect on the Marketplace - in the segment keeper
Ypotechnaya program sposobna at some least affect the tempы and Volume of construction lysh in housing segment keeper-class, cost and poskolku Area apartments dolzhnы consistent with oboznachennыm Criteria, said the representative of "Ukrsotsbank" Haponyuk.
She also never become an incentive for banks decline rates ypoteke, poskolku have to do more than hlobalnыe Needs reform, who yzmenyat rыnochnыe terms and the rules of legislation, as well as the availability of more than dolhosrochnoho and cheap resources bankovskoy system Added Y.Shumytskyy.
Together with subjects representative of the company "NEST" Hrusevych napomynaet that in a short of time will be held in Ukraine election of, and vыskazыvayut predpolozhenye that the эta program, perhaps, is the lysh kratkosrochnoy predvыbornoy ynytsyatyvoy.
It is obvious that the vыdelennoho billion Enough of that, When obespechyt small Anatoliy stoyaschyh on kvartuchete. In the views Matyyasha P., bolsheho the effect it would be possible dostych, sent money for the construction of socio housing with allocation of land and podvodom ynzhenernыh kommunykatsyy. Then it would be possible in a resolution dostych predlahaemыh stoymostnыh indicators for zastroyschykov.
Ñàìûé Interesting Declaration on income of Ukrainian politicians
Pohozhuyu Thought vыskazal and V.Hrusevych, who believes that it would be more than tselesoobrazno send dannuyu amount to develop a program and sale of affordable housing: to develop a henplanov zastroyky territory, introduction of modern technologies myrovыh DSC, construction ynzhenernыh kommunykatsyy.
Director of projects the company "NEST" believes that in the preparation Contest Correct documentation for Integrated zastroyke territory business will be ready to propose affordable housing program with tsenoy 5,5-6 thousand. USD. in Kiev and up to 5 thousand. UAH in the region.
"The realization of a national program upomyanutoy ymela would multyplykatsyonnыy Effect and allowed the problem would solve zhylyschnuyu in Ukraine for 10-15 years" - rezyumyroval online.
Terms of program
Bank: will be predostavlyatsya to 15 years in UAH under the maximum 16% per annum. In so doing zaemschyk pays the loan 3% and 13% Difference in emu kompensyruet state. Compensation are subject to in fact uplachennыe protsentы by polzovanye credit. Pervychnыy contribution for the purchase of housing - up to 25% with the possibility of an increase ego.
Normatyvnaya Area housing for a family of one or two Man - 40 m, from the Trejo and more than Man - 58 m at raschetnoy cost per square meter for Kiev - 7 thousand. USD, for the Kiev region and of regional centers - five thousand. USD, to the other settlements - 4 thousand. USD. In Area super compensation not nachyslyaetsya the rules, pay a zaemschyk sverhnormatyvku by svoy funds. Together with topics for settlements, raspolozhennыh in 15-kylometrovoy zone from Kiev, Sevastopol, Simferopol and the cost of regional centers housing Maybe uvelychena by 10%. Also permitted excess normatyvnoy Square and raschetnoy cost of housing by 25%.
Average customer hodovoy minimal income family of Trejo Man in Ukraine dolzhen bыt not lower than 55 thousand. USD, and the average Maximum income - 400 thousand. USD (from 760 thousand. in Kiev UAH to 355 thousand. UAH in Ternopil region). In so doing ezhemesyachnыy loan payments not dolzhen prevыshat 40% cumulative srednemesyachnoho income family. Srednemesyachnыy denezhnыy income zaemschyka not dolzhen prevыshat pyatykratnoho size srednemesyachnoy zarabotnoy platы of relevant in the region.
In the period of obtaining compensation for chastychnoy flat dolzhna bыt mainly place of residence zaemschyka, he could not sdavat EE for rent.
Procedure: When pouchastvovat in the program, you need obratytsya one from the 36 banks (the first and second group of the National Bank definition). Bank rassmatryvaet possibility of issuing credits and, along with oblhosadmynystratsyy otrabatыvaet opportunity of obtaining compensation for citizen chastychnoy on this loan. Then the program participant vыbyraet konkretnuyu apartment in a particular house (otobrannom Interministerial Commission on proposals for Mynrehyone mestnыh hosadmynystratsyy) and podpysыvaet two contracts: one for the purchase of apartments (program participant, bank, zastroyschyk), second - in compensation for vыplatu (program participant, bank, mestnaya State Administration).
Among the conditions for zaemschyka - bail everybody deesposobnoho member of the family, prozhyvayuscheho together with him, as well as ezhehodnoe deklaryrovanye svoyh revenues (revenues and family).
