AIZHK prepares a loan for every second family for housing by 2020

The agency approved the development program, according to which the share of families that have the opportunity to purchase housing with their own and borrowed funds should grow to 30% in 2015 and up to 50% in 2020. The issuance of mortgage loans by all market participants should increase almost three times.

The Supervisory Board of the Mortgage Housing Lending Agency ( AIZHK ) approved the development strategy for 2011-2020, the main purpose of which is to increase the availability of mortgages, including through the introduction of new products, and the development of the mortgage market infrastructure.

According to Vedomosti , the share of families that have the opportunity to purchase housing with their own and borrowed funds should grow from 19.8% in 2010 to 30% in 2015 and up to 50% in 2020. The issuance of mortgage loans by all market participants should increase almost three times - from 301,000 in 2010 to 868,000 in 2020.

Until 2020, AIZHK should introduce the so -called reverse mortgage on the Russian market, which is an alternative to lifelong rent and involves the issuance of loans to elderly people on the bail of their housing. Such loans are transferred by certain portions every month as an additional pension, and extinguished after the death of the borrower, when the bank sells its laid housing or the heirs of the deceased themselves extinguished the loan chosen by him.

The second innovation is a mortgage of profitable houses, which involves the issuance of loans to legal entities for the construction of housing for delivery of it. Now a pilot project is being implemented in the Kaluga region.

Infantry Lending Agency, OJSC, was created by the Government of the Russian Federation and in 1997 to ensure the liquidity of Russian commercial banks that provide long -term housing loans to the population, through the purchase of the rights of claims on funds raised by placing bonds of the agency in the stock market. 100% of AIZHK shares belongs to the state in the person of the Federal Property Management Agency.

We will remind, earlier the Ministry of Regional Development, also engaged in housing problems of the population, calculated that by 2015 a standard Russian family of three will be able to accumulate for an apartment in just four years . At the same time, experts noted that in order to implement this project, families need to stop spending money on anything else now.