Параметры доступности услуг ипотечного жилищного кредитования

Аннотация

Increase in the prices for the real estate leads to the constantly increasing gap between the housing prices and the income of citizens. It isn’t possible to get housing in property under the contract of purchase and sale without the use of borrowed funds for the most of Russians. Mortgage lending is the most acceptable way of buying of the property premises. Existence of the own housing brings an element of wellbeing and stability in the life of people, and it is very important, according to the sociologists that housing appeared as soon as possible, but not after ten years’ expectations. In this regard the alternative to mortgage housing lending doesn’t exist. Systematization of approaches to an assessment of availability of services of mortgage lending to the population in the following parameters is presented in the article: the average rate on a mortgage; a share of the monthly located income which is spent for payments for IZhK; total amount of “overpayment” on a mortgage; the amount of initial contribution for receiving a mortgage loan; a set of documents for submission of the credit application and confirmation of solvency; possibility of the choice of a way of repayment of a mortgage loan. The methodological basis of a research is made by a system approach, functional and comparative analysis, the method of expert evaluations.