The Ministry of Finance of the Russian Federation opposes the expansion of family mortgages

The representative of the ministry emphasized that according to the results of February, the volume of issuing a family mortgage increased significantly, and this positively affected the sales of housing. The data was confirmed in the state company Dom.RF, which is the operator of preferential programs.

The director for mortgage sales and the implementation of financial instruments of A101 Group of Companies, Rustam Azizov, in a conversation with Cyan. Zhurnal, emphasized that the adoption of the initiative to expand the family mortgage could support the construction industry and would allow many families to improve their living conditions.

According to the expert, it makes sense to reformat and leave a preferential program in a truncated form — for families with one child up to 14 years old.

Many families have such a request who live in one -room apartments or in other constrained conditions, with one child. And when he grows up and goes to school, the request for additional areas becomes critical. Now a family mortgage is available only with a child up to 7 years old. In my opinion, it is more logical to expand the age qualification up to 14 years— said Rustam Azizov.

Optima Development Commercial Director Dmitry Golev emphasized that due to the expansion of the family mortgage, the load on the state budget could grow significantly, since during the validity of the key rate of 21%, loans for families with children will cost even more expensive than the program of the infantry beneficial mortgage at a low key rate.

It was on the basis of these circumstances that the state program was tightened a year earlier. There are no objective prerequisites for changing the course now. Nevertheless, certain forms of expansion of state support for power, in my opinion, can afford. In particular, I believe that it would be correct to issue preferential loans to all large families, regardless of the age of children— said Dmitry Golev earlier.

source: CYANOGEN