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Когда украинцы смогут взять ипотечный кредит?

15.01.2011

Жилищный вопрос во все времена стоял особо остро перед населением любой страны. Ведь приобретение жилплощади - практически самая дорогостоящая покупка в жизни каждого человека. Хорошо, конечно, если квартира или дом достался Вам в наследство или в подарок. Но, как правило, такие случаи являются скорее исключением, чем закономерностью. Поэтому к вопросу "где жить?" стоит отнестись со всей серьёзностью.

Есть 2 варианта, которыми Вы можете воспользоваться, желая купить жильё. Во-первых, можно сделать вклад в банк и ждать, пока на счету соберётся нужная сумма. Однако такой вариант достаточно долгий. Хорошо, если на это время, Вам есть, где жить. В противном случае Вам ещё придётся оплачивать услуги по съёму квартиры, то есть тратить дополнительные средства. Однако есть и второй вариант: Вы можете взять потребительский кредит на покупку или строение недвижимости, так называемую ипотеку.

Ипотечный потребительский кредит выдаётся физическим лицам на длительный срок под небольшой процент под залог покупаемой недвижимости. Такая услуга удобна, но ипотека на Украине имеет свои черты, делающие её не достаточно доступной для населения. Дело в том, что ипотека украинским гражданам выдаётся только коммерческими банковскими учреждениями, а значит, во-первых, под высокий процент (20% годовых и выше), а во-вторых, на срок не более 25 лет. Когда как классическая ипотека имеет процентную ставку около 5-6% сроком не менее 25 лет.

На данный момент процентные ставки на ипотечный кредит начали снижаться. По прогнозам экспертов, этот процесс будет продолжаться и дальше. Однако в действительности процентные ставки упадут лишь до 16 - 17% годовых до середины 2011 года.

Компания "Простобанк Консалтинг", проанализировав снижение курса ставки ипотечного кредита на 10 лет для покупки жилья на вторичном рынке, сделала вывод, что она уменьшился с максимального своего показателя (февраль, 2010) на 6.47 % и составила 20.38% на период начала ноября. Дальнейшее прогнозируемое снижение сделает ипотеку доступнее, но ещё не до конца доступной. Ведь даже обещанные 15% годовых - это достаточно много, учитывая общую сумму кредита. Рубеж 15-процентной ставки, возможно, удастся преодолеть лишь к концу 2011 года. Однако это будет возможно лишь при стабилизации экономической ситуации в самой Украине. Снижение стоимости на ипотечный кредит возможно в случае серьёзного снижения ставки на вклад в банк денежных средств. По словам Антона Шаперенкова, депозитный рынок ещё не готов к обвалу процентов по вкладам ниже 11 - 12% годовых, а значит и снижение ипотечной ставки до 15% хоть и представляется возможным, однако не будет массовым.

Но если реально оценить экономическое положение в стране, то можно с уверенностью сказать, что даже снижение процентной ставки до 15% годовых не сделает ипотечное кредитование доступным большому количеству украинских граждан. Анализируя уровень жизни на Украине, можно придти к выводу, что только снижение процента до 10% и ниже позволит украинцам активно включиться в ипотечное кредитование. А такое положение вещей будет возможно, по мнению первого заместителя председателя управления Укринбанка Светланы Корчинской, лишь через 5 лет.

На современном этапе ипотечное кредитование хоть и возобновилось, однако полная реанимация процесса, по словам Александра Рубанова, президента ССНУ, произойдёт не ранее второй половины 2012 года. А на данный момент украинцы поставлены перед выбором: либо рискнуть и ежемесячно сплачивать большую сумму за проценты, либо оформить вклад в банк и повременить с покупкой жилья ещё какое-то время.

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