. If it doesn’t work, of course, we can always resort to the “regulatory users can enjoy high-speed file bludgeon”. But it takes longer, and we want the banks to be more conscious.
— Will this document be only for banks?
– Yes. But we write it in simple language so that people, after reading it, can understand how we want to protect their interests.
— Now (once again) the idea of ​​extending state mortgage support to the secondary real estate market is being discussed. The Central Bank, represented by Elvira Nabiullina, supports this idea — provided that the program is targeted. What is meant? And, in general, why, in the opinion of the Central Bank, should rates on the secondary market be subsidized?
Conceptually, we are not against it — in some regions
not enough new housing is being built. But we need to understand for which groups the program will work. If we are talking about large-scale support of the market, then we are not supporters use sms marketing campaigns for customer satisfaction surveys of such an idea, because it always leads to overheating. The same preferential mortgage was effective at the beginning of its implementation, but america email over time it led to a significant increase in prices on the primary market, and then prices on the secondary market began to creep up. As a result, the desired increase in housing affordability was not achieved. Such tools should be used in the event of a crisis, and then they should be curtailed.
