Life in traffic
The main problem for future residents of the Moscow Region is still the traffic load of the most popular destinations: Rublevo-Uspensky, Yaroslavsky, Leningradsky and Dmitrovsky. This is all the more true since your own car is the main mode of transportation. The point is not only in comfort, but also in the fact that getting from the hardware to the house will usually take at least half an hour. In addition, at night, hiking through the forest will not please anyone.
Therefore, realtors have no choice but to make a rating of busy routes for their customers and tell them what, how and when the authorities of Moscow and the Moscow Region plan to unload. The interest of citizens in their own home is severely restrained by the poorly developed infrastructure of organized villages. In most of the existing villages, there are still no schools, shops, medical institutions. Although, in fairness, it is worth noting that in the villages under construction, developers offer newcomers a gentlemanly infrastructure kit. So things are gradually getting better.
In mortgage lending, the preponderance of the city over the village is still overwhelming. For example, in MBO “Orgbank” at present more than 95% of the volume of issued mortgage loans falls on the urban real estate market. A similar picture is in other banks. In addition, interest rates in the suburban sector are higher than urban ones.
The main reason for banks’ passivity in lending to suburban housing is the low liquidity of collateral. “If the apartment, which is in the mortgage, is easy to realize in case of default by the borrower, then the demand for a cottage or townhouse is more local, and the pricing for such real estate is not always clear,” said Alexander Chernyak, general director of ATTA mortgage company, at a press conference.
According to Alexander Viktorovich Muravyov, Deputy Director of the Client Business and Corporate Banking Technology Department of Gazenergoprombank, “in many large cities, the centrifugal tendency of urban residents to live is clearly visible. In light of this, I think that every year suburban real estate in the immediate suburbs will be more and more in demand. A shortage of offers of inexpensive economy-class cottages and townhouses has already been noted. ”
But not everything is as gloomy as it seems at first glance. Banks themselves are interested in increasing the customer base at the expense of buyers of suburban housing. So, Gazenergoprombank has begun developing a program for providing loans for the purchase of country houses, and Sobinbank has already put in place a special mortgage program, My House, for the purchase of housing in this particular segment. In accordance with it, you can buy on credit a detached house / cottage with a land plot or a block in a town house with a land plot, which are located in Moscow and the Moscow region. Loans for the purchase of this type of housing are provided for up to 25 years in US dollars, the minimum down payment is 30% of the cost of housing, the maximum loan amount is $ 1 million at an interest rate of 14 per annum.
According to Anna Kaminskaya, head of the retail business department at Sobinbank, the situation will gradually change in the direction of preferences for suburban real estate. “Although a sufficient amount of time is needed to change the trend,” she notes. According to the director of the mortgage lending department of Orgbank Sergey Gugnin, “in the future, more and more lenders will reorient to suburban real estate.”