Why did the Central Bank come out so strongly against subsidizing mortgages by developers? In the eyes of the average person, developers are doing the same thing as the state, which also keep in mind that internet speed may depend launched preferential mortgages, family mortgages and other types of mortgages with reduced rates.
anything — in fact, the buyer pays for everything
With the so-called near-zero mortgage, a person paid up to 30% more for an apartment than its real price, and the developer transferred these 30% to the bank in the form of a commission for lost interest income.
In part, banks subsidized low rates because
they made a mistake in calculating their interest rate risk. They assumed that the loan would be repaid in 7-8 years – like a regular mortgage, which is paid off faster than the term specified in the contract, so as not to pay “extra” interest. But what is the point of repaying a loan early with a zero rate? Even if you have top 20 lead generation companies compared some surplus funds that you could use for early repayment, it is much more profitable for you to put this money in a deposit. And repay the loan body according to the schedule, because it does not cost you anything. As a result, the banks realized their america email mistake and began to remove their subsidy.
— So, near-zero mortgages created risks for the banking system and this worried the Central Bank?
