Π‘Ρ‚Π°Π²ΠΊΠΈ ΠΏΠΎ ΠΈΠΏΠΎΡ‚Π΅Ρ‡Π½Ρ‹ΠΌ ΠΊΡ€Π΅Π΄ΠΈΡ‚Π°ΠΌ Π² 2018 Π³ΠΎΠ΄Ρƒ: Π‘Ρ‚Π°Π²ΠΊΠΈ ΠΏΠΎ ΠΈΠΏΠΎΡ‚Π΅ΠΊΠ΅ Π² 2018 Π³ΠΎΠ΄Ρƒ

Π‘Ρ‚Π°Π²ΠΊΠΈ ΠΏΠΎ ΠΈΠΏΠΎΡ‚Π΅Ρ‡Π½Ρ‹ΠΌ ΠΊΡ€Π΅Π΄ΠΈΡ‚Π°ΠΌ Π² 2018 Π³ΠΎΠ΄Ρƒ: Π‘Ρ‚Π°Π²ΠΊΠΈ ΠΏΠΎ ΠΈΠΏΠΎΡ‚Π΅ΠΊΠ΅ Π² 2018 Π³ΠΎΠ΄Ρƒ

Π‘ΠΎΠ΄Π΅Ρ€ΠΆΠ°Π½ΠΈΠ΅

Какой Π±ΡƒΠ΄Π΅Ρ‚ ставка ΠΏΠΎ ΠΈΠΏΠΎΡ‚Π΅ΠΊΠ΅ Π² 2018 Π³ΠΎΠ΄Ρƒ

Π’ уходящСм Π³ΠΎΠ΄Ρƒ ставка ΠΏΠΎ ΠΈΠΏΠΎΡ‚Π΅ΠΊΠ΅ ΠΏΠΎΠ±ΠΈΠ»Π° всС Ρ€Π΅ΠΊΠΎΡ€Π΄Ρ‹. Если Π² Π½Π°Ρ‡Π°Π»Π΅ Π³ΠΎΠ΄Π° ΠΏΡ€ΠΎΡ†Π΅Π½Ρ‚ Π²Π°Ρ€ΡŒΠΈΡ€ΠΎΠ²Π°Π»ΡΡ Π² Ρ€Π°ΠΉΠΎΠ½Π΅ 11% Π³ΠΎΠ΄ΠΎΠ²Ρ‹Ρ…, Ρ‚ΠΎ сСйчас ΠΎΠ½ опустился ΡƒΠΆΠ΅ Π΄ΠΎ 9,5%. И это Π΄Π°Π»Π΅ΠΊΠΎ Π½Π΅ ΠΏΡ€Π΅Π΄Π΅Π». Наши экспСрты говорят, Ρ‡Ρ‚ΠΎ дальшС Π±ΡƒΠ΄Π΅Ρ‚ Π΅Ρ‰Π΅ Π»ΡƒΡ‡ΡˆΠ΅.

— Π’ 2018 Π³ΠΎΠ΄Ρƒ Π¦Π΅Π½Ρ‚Ρ€ΠΎΠ±Π°Π½ΠΊ, скорСС всСго, ΠΏΠΎΠ½ΠΈΠ·ΠΈΡ‚ ΠΊΠ»ΡŽΡ‡Π΅Π²ΡƒΡŽ ставку Π΄ΠΎ 7%, Π° это Π·Π½Π°Ρ‡ΠΈΡ‚, Ρ‡Ρ‚ΠΎ ΠΈ ΠΈΠΏΠΎΡ‚Π΅ΠΊΠ° Π½Π° Π²Ρ‚ΠΎΡ€ΠΈΡ‡Π½ΠΎΠΌ Ρ€Ρ‹Π½ΠΊΠ΅ Тилья ΡƒΠΏΠ°Π΄Π΅Ρ‚ Π΄ΠΎ 8,5% ΠΈΠ»ΠΈ Π΄Π°ΠΆΠ΅ 8% Π³ΠΎΠ΄ΠΎΠ²Ρ‹Ρ…. НиТС, ΠΏΡ€Π°Π²Π΄Π°, ΡƒΠΆΠ΅ вряд Π»ΠΈ стоит ΠΎΠΆΠΈΠ΄Π°Ρ‚ΡŒ, — Π³ΠΎΠ²ΠΎΡ€ΠΈΡ‚ Π΄ΠΈΡ€Π΅ΠΊΡ‚ΠΎΡ€ Π”Π΅ΠΏΠ°Ρ€Ρ‚Π°ΠΌΠ΅Π½Ρ‚Π° Π²Ρ‚ΠΎΡ€ΠΈΡ‡Π½ΠΎΠ³ΠΎ Ρ€Ρ‹Π½ΠΊΠ° ИНКОМ-ΠΠ΅Π΄Π²ΠΈΠΆΠΈΠΌΠΎΡΡ‚ΡŒ Π‘Π΅Ρ€Π³Π΅ΠΉ Π¨Π»ΠΎΠΌΠ°.

А Π½Π΅ Π³Ρ€ΠΎΠ·ΠΈΡ‚ Π»ΠΈ Π½Π°ΠΌ ΠΈΠΏΠΎΡ‚Π΅Ρ‡Π½Ρ‹ΠΉ кризис

НСсмотря Π½Π° ΡΡ‚ΠΎΠ»ΡŒ благоприятноС Ρ€Π°Π·Π²ΠΈΡ‚ΠΈΠ΅ событий, осущСствлСниС амСриканского сцСнария (кризис 2008 Π³ΠΎΠ΄Π°) Ρƒ нас сСйчас Π½Π΅Π²ΠΎΠ·ΠΌΠΎΠΆΠ½ΠΎ, ΡƒΠ²Π΅Ρ€Π΅Π½Ρ‹ Π°Π½Π°Π»ΠΈΡ‚ΠΈΠΊΠΈ. Π’ АмСрикС, Π½Π°ΠΏΠΎΠΌΠ½ΠΈΠΌ, ΠΊΡ€Π΅Π΄ΠΈΡ‚Ρ‹ Π²Ρ‹Π΄Π°Π²Π°Π»ΠΈΡΡŒ Π±Π΅Π· ΠΏΠ΅Ρ€Π²ΠΎΠ½Π°Ρ‡Π°Π»ΡŒΠ½ΠΎΠ³ΠΎ взноса, Π±Π΅Π·Ρ€Π°Π±ΠΎΡ‚Π½Ρ‹ΠΌ. Π“Ρ€ΡƒΠ±ΠΎ говоря, всСм, ΠΊΠΎΠΌΡƒ ΠΏΠΎΠΏΠ°Π»ΠΎ. Π£ нас ΠΆΠ΅ ситуация ΡΠΎΠ²Π΅Ρ€ΡˆΠ΅Π½Π½ΠΎ другая.

— Π‘Π°Π½ΠΊΠΈ всС Π±ΠΎΠ»Π΅Π΅ Ρ‚Ρ‰Π°Ρ‚Π΅Π»ΡŒΠ½ΠΎ ΠΏΡ€ΠΎΠ²Π΅Ρ€ΡΡŽΡ‚ ΠΊΠ»ΠΈΠ΅Π½Ρ‚ΠΎΠ², изучая ΠΈΡ… ΠΊΡ€Π΅Π΄ΠΈΡ‚Π½ΡƒΡŽ ΠΈΡΡ‚ΠΎΡ€ΠΈΡŽ, Π·Π°ΠΏΡ€Π°ΡˆΠΈΠ²Π°Π΅Ρ‚ΡΡ ΠΏΠΎΠ΄Ρ‚Π²Π΅Ρ€ΠΆΠ΄Π΅Π½ΠΈΠ΅ Π΄ΠΎΡ…ΠΎΠ΄ΠΎΠ² ΠΏΠΎ Ρ„ΠΎΡ€ΠΌΠ΅ 2-НДЀЛ, — ΠΎΡ‚ΠΌΠ΅Ρ‡Π°Π΅Ρ‚ ΡƒΠΏΡ€Π°Π²Π»ΡΡŽΡ‰ΠΈΠΉ Π΄ΠΈΡ€Π΅ΠΊΡ‚ΠΎΡ€ брокСрского Π΄Π΅ΠΏΠ°Ρ€Ρ‚Π°ΠΌΠ΅Π½Ρ‚Π° Β«ΠœΠ˜Π­Π›Π¬-Π‘Π΅Ρ‚ΡŒ офисов нСдвиТимости» АлСксандр ΠœΠΎΡΠΊΠ°Ρ‚ΠΎΠ². – Π’Π°ΠΆΠ΅Π½ Ρ‚Π°ΠΊΠΆΠ΅ ΠΈ Ρ€Π°Π·ΠΌΠ΅Ρ€ ΠΏΠ΅Ρ€Π²ΠΎΠ½Π°Ρ‡Π°Π»ΡŒΠ½ΠΎΠ³ΠΎ взноса. БСйчас Π΅Π³ΠΎ ΠΌΠΈΠ½ΠΈΠΌΠ°Π»ΡŒΠ½Ρ‹ΠΉ Ρ€Π°Π·ΠΌΠ΅Ρ€ составляСт 15%, Π½ΠΎ Π±Π°Π½ΠΊΠΈ, ΠΎΠ·Π°Π±ΠΎΡ‡Π΅Π½Π½Ρ‹Π΅ ΠΏΠ°Π΄Π΅Π½ΠΈΠ΅ΠΌ Ρ†Π΅Π½ Π½Π° Ρ€Ρ‹Π½ΠΊΠ΅ нСдвиТимости, Ρ…ΠΎΡ‚Π΅Π»ΠΈ Π±Ρ‹ довСсти Π΅Π³ΠΎ Ρ€Π°Π·ΠΌΠ΅Ρ€ Π΄ΠΎ 20%.

Как дСшСвая ΠΈΠΏΠΎΡ‚Π΅ΠΊΠ° отразится Π½Π° Ρ†Π΅Π½Π°Ρ…

НСсмотря Π½Π° Π½Π΅ΠΊΠΎΡ‚ΠΎΡ€ΠΎΠ΅ ΠΎΠΆΠΈΠ²Π»Π΅Π½ΠΈΠ΅, Ρ†Π΅Π½Ρ‹ Π½Π° ТильС Π² 2017 Π³ΠΎΠ΄Ρƒ расти Π½Π΅ стали. ЭкспСрты ΡΡ‡ΠΈΡ‚Π°ΡŽΡ‚, Ρ‡Ρ‚ΠΎ Ρ‚Π°ΠΊ Π±ΡƒΠ΄Π΅Ρ‚ ΠΈ дальшС. По ΠΊΡ€Π°ΠΉΠ½Π΅ΠΉ ΠΌΠ΅Ρ€Π΅, блиТайший Π³ΠΎΠ΄.

— Π’Π·Ρ€Ρ‹Π²Π½ΠΎΠΉ скачок ΠΌΡ‹ вряд Π»ΠΈ ΡƒΠ²ΠΈΠ΄ΠΈΠΌ, хотя, Π² связи с ΠΎΡ‚ΠΊΠ°Π·ΠΎΠΌ ΠΎΡ‚ Π΄ΠΎΠ»Π΅Π²ΠΎΠ³ΠΎ ΡΡ‚Ρ€ΠΎΠΈΡ‚Π΅Π»ΡŒΡΡ‚Π²Π° ΠΈ ΠΏΠ΅Ρ€Π΅Ρ…ΠΎΠ΄ΠΎΠΌ Π½Π° ΠΏΡ€ΠΎΠ΅ΠΊΡ‚Π½ΠΎΠ΅ финансированиС, ΠΏΠ»Π°Π²Π½Ρ‹ΠΉ рост стоимости ΠΏΠ΅Ρ€Π²ΠΈΡ‡Π½ΠΎΠ³ΠΎ Тилья Π½Π΅ΠΈΠ·Π±Π΅ΠΆΠ΅Π½, — добавляСт Π΄ΠΈΡ€Π΅ΠΊΡ‚ΠΎΡ€ Π”Π΅ΠΏΠ°Ρ€Ρ‚Π°ΠΌΠ΅Π½Ρ‚Π° новостроСк ИНКОМ-ΠΠ΅Π΄Π²ΠΈΠΆΠΈΠΌΠΎΡΡ‚ΡŒ АндрСй ΠšΡ€ΠΎΠΉΡ‚ΠΎΡ€. – ΠŸΡ€Π°Π²Π΄Π° рост Π±ΡƒΠ΄Π΅Ρ‚ ΠΌΠΈΠ½ΠΈΠΌΠ°Π»ΡŒΠ½Ρ‹ΠΌ. И Π½Π΅ Π² блиТайший Π³ΠΎΠ΄ Ρ‚ΠΎΡ‡Π½ΠΎ. Застройщикам Π½ΡƒΠΆΠ½ΠΎ Ρ€Π°ΡΠΏΡ€ΠΎΠ΄Π°Ρ‚ΡŒ Ρ‚ΠΎ, Ρ‡Ρ‚ΠΎ имССтся, завлСкая, Π½Π°ΠΎΠ±ΠΎΡ€ΠΎΡ‚, ΠΏΠΎΠΊΡƒΠΏΠ°Ρ‚Π΅Π»Π΅ΠΉ Π½ΠΈΠ·ΠΊΠΈΠΌΠΈ Ρ†Π΅Π½Π°ΠΌΠΈ ΠΈ Π·Π°ΠΌΠ°Π½Ρ‡ΠΈΠ²Ρ‹ΠΌΠΈ прСдлоТСниями.

Π”Π°Π΅ΡˆΡŒ ΠΈΠΏΠΎΡ‚Π΅ΠΊΡƒ ΠΏΠΎΠ΄ 6%!

НС стоит Π·Π°Π±Ρ‹Π²Π°Ρ‚ΡŒ, Ρ‡Ρ‚ΠΎ российский ΠΏΡ€Π΅Π·ΠΈΠ΄Π΅Π½Ρ‚ Π’Π»Π°Π΄ΠΈΠΌΠΈΡ€ ΠŸΡƒΡ‚ΠΈΠ½ ΠΏΠΎΡ€ΡƒΡ‡ΠΈΠ» ΠΏΡ€Π°Π²ΠΈΡ‚Π΅Π»ΡŒΡΡ‚Π²Ρƒ Π΄ΠΎ 31 дСкабря ΠΏΡ€ΠΈΠ½ΡΡ‚ΡŒ всС Π½Π΅ΠΎΠ±Ρ…ΠΎΠ΄ΠΈΠΌΡ‹Π΅ ΠΌΠ΅Ρ€Ρ‹ для поддСрТания сСмСй. Π Π΅Ρ‡ΡŒ ΠΈΠ΄Π΅Ρ‚ ΠΎ ставкС ΠΏΠΎΠ΄ 6% Π³ΠΎΠ΄ΠΎΠ²Ρ‹Ρ… Π² случаС роТдСния Π²Ρ‚ΠΎΡ€ΠΎΠ³ΠΎ ΠΈΠ»ΠΈ Ρ‚Ρ€Π΅Ρ‚ΡŒΠ΅Π³ΠΎ Ρ€Π΅Π±Π΅Π½ΠΊΠ° с 1 января 2018 Π³ΠΎΠ΄Π°.

ΠšΡ€Π΅Π΄ΠΈΡ‚ со ΡΡ‚ΠΎΠ»ΡŒ Π½ΠΈΠ·ΠΊΠΈΠΌ ΠΏΡ€ΠΎΡ†Π΅Π½Ρ‚ΠΎΠΌ Π±ΡƒΠ΄Π΅Ρ‚ Π²Ρ‹Π΄Π°Π²Π°Ρ‚ΡŒΡΡ сСмьС, Ссли ΠΎΠ½Π° ΠΏΠΎΠΊΡƒΠΏΠ°Π΅Ρ‚ ΠΊΠ²Π°Ρ€Ρ‚ΠΈΡ€Ρƒ Π² новостройкС. Π’Π°ΠΊΠΆΠ΅ Π΅Π΅ ΠΌΠΎΠΆΠ½ΠΎ Π±ΡƒΠ΄Π΅Ρ‚ ΠΏΠΎΠ»ΡƒΡ‡ΠΈΡ‚ΡŒ Π½Π° рСфинансированиС Π΄Π΅ΠΉΡΡ‚Π²ΡƒΡŽΡ‰Π΅Π³ΠΎ ΠΈΠΏΠΎΡ‚Π΅Ρ‡Π½ΠΎΠ³ΠΎ ΠΊΡ€Π΅Π΄ΠΈΡ‚Π°. Π’ 2018 Π³ΠΎΠ΄Ρƒ ΠΏΡ€ΠΎΠ³Ρ€Π°ΠΌΠΌΠΎΠΉ смогут Π²ΠΎΡΠΏΠΎΠ»ΡŒΠ·ΠΎΠ²Π°Ρ‚ΡŒΡΡ ΠΏΡ€ΠΈΠΌΠ΅Ρ€Π½ΠΎ ΠΏΠΎΠ»ΠΌΠΈΠ»Π»ΠΈΠΎΠ½Π° сСмСй.

Π‘Ρ…Π΅ΠΌΠ° Π±ΡƒΠ΄Π΅Ρ‚ проста ΠΈ нСзамысловата β€” ΠΏΠΎΠ»ΡƒΡ‡Π°Ρ‚Π΅Π»ΡŒ Π±ΡƒΠ΄Π΅Ρ‚ ΠΏΠ»Π°Ρ‚ΠΈΡ‚ΡŒ 6% ΠΈΠΏΠΎΡ‚Π΅Ρ‡Π½ΠΎΠ³ΠΎ ΠΊΡ€Π΅Π΄ΠΈΡ‚Π°, Π° остаток Π΄ΠΎ банковской ставки Π±ΡƒΠ΄Π΅Ρ‚ Π΄ΠΎΠΏΠ»Π°Ρ‡ΠΈΠ²Π°Ρ‚ΡŒ государство. Π’ ΠΏΡ€ΠΎΠ³Ρ€Π°ΠΌΠΌΠ΅ Ρ‡Π΅Ρ‚ΠΊΠΎ ΠΎΠ³Ρ€Π°Π½ΠΈΡ‡Π°Ρ‚ список Π±Π°Π½ΠΊΠΎΠ², ΠΊΠΎΡ‚ΠΎΡ€Ρ‹Π΅ Π±ΡƒΠ΄ΡƒΡ‚ ΡƒΡ‡Π°ΡΡ‚Π²ΠΎΠ²Π°Ρ‚ΡŒ Π² Π»ΡŒΠ³ΠΎΡ‚Π½ΠΎΠΉ Π°ΠΊΡ†ΠΈΠΈ β€” вСроятнСС всСго, ΠΏΠΎΠΏΡƒΠ»ΡΡ€Π½ΠΎΡΡ‚ΡŒΡŽ Π±ΡƒΠ΄Π΅Ρ‚ ΠΏΠΎΠ»ΡŒΠ·ΠΎΠ²Π°Ρ‚ΡŒΡΡ Π‘Π±Π΅Ρ€Π±Π°Π½ΠΊ, ΠΊΠ°ΠΊ ΠΎΠ΄ΠΈΠ½ ΠΈΠ· самых Β«Π±Π»ΠΈΠ·ΠΊΠΈΡ…Β» россиянам Π±Π°Π½ΠΊΠΎΠ².

Π‘Π½ΠΈΠΆΠ΅Π½ΠΈΠ΅ ставки ΠΏΠΎ ΠΈΠΏΠΎΡ‚Π΅ΠΊΠ΅ Π² 2018 Π³ΠΎΠ΄Ρƒ

Π’ 2018 Π³ΠΎΠ΄Ρƒ Π² России продолТаСтся сниТСниС ставок ΠΏΠΎ ΠΈΠΏΠΎΡ‚Π΅Ρ‡Π½Ρ‹ΠΌ ΠΊΡ€Π΅Π΄ΠΈΡ‚Π°ΠΌ. Π’ ΠΏΡ€ΠΎΡˆΠ»ΠΎΠΌ Π³ΠΎΠ΄Ρƒ срСдняя ставка Π²ΠΏΠ΅Ρ€Π²Ρ‹Π΅ Π² истории снизилась Π½ΠΈΠΆΠ΅ 10%, ΠΈ устойчивый Ρ‚Ρ€Π΅Π½Π΄ Π½Π° сниТСниС сохраняСтся ΠΈ сСгодня. Π‘Π½ΠΈΠΆΠ΅Π½ΠΈΠ΅ ставок ΠΏΠΎ ΠΈΠΏΠΎΡ‚Π΅ΠΊΠ΅ Π² 2018 Π³ΠΎΠ΄Ρƒ Π² России β€” послСдниС новости ΠΎ Ρ‚ΠΎΠΌ, ΠΊΠ°ΠΊΠΎΠ²Π° Π΄ΠΈΠ½Π°ΠΌΠΈΠΊΠ° ставок сСгодня, ΠΊΠ°ΠΊΠΈΠ΅ ΠΏΡ€ΠΎΠ³Π½ΠΎΠ·Ρ‹ ΠΏΠΎ ΠΈΠΏΠΎΡ‚Π΅Ρ‡Π½Ρ‹ΠΌ ставкам Π΄Π°ΡŽΡ‚ Π°Π½Π°Π»ΠΈΡ‚ΠΈΠΊΠΈ Π½Π° Ρ‚Π΅ΠΊΡƒΡ‰ΠΈΠΉ Π³ΠΎΠ΄.

Π‘Π½ΠΈΠΆΠ΅Π½ΠΈΠ΅ ставки ΠΏΠΎ ΠΈΠΏΠΎΡ‚Π΅ΠΊΠ΅ Π² 2018 Π³ΠΎΠ΄Ρƒ - послСдниС новости ΠΎ Π΄ΠΈΠ½Π°ΠΌΠΈΠΊΠ΅ ΠΈΠΏΠΎΡ‚Π΅Ρ‡Π½Ρ‹Ρ… ставок Π² России

Π”ΠΈΠ½Π°ΠΌΠΈΠΊΠ° ΠΈΠΏΠΎΡ‚Π΅Ρ‡Π½Ρ‹Ρ… ставок Π² 2018 Π³ΠΎΠ΄Ρƒ Π² России

На ΠΎΡ„ΠΈΡ†ΠΈΠ°Π»ΡŒΠ½ΠΎΠΌ сайтС российского Π¦Π΅Π½Ρ‚Ρ€ΠΎΠ±Π°Π½ΠΊΠ° приводится информация ΠΏΠΎ ΠΈΠΏΠΎΡ‚Π΅Ρ‡Π½Ρ‹ΠΌ ΠΆΠΈΠ»ΠΈΡ‰Π½Ρ‹ΠΌ ΠΊΡ€Π΅Π΄ΠΈΡ‚Π°ΠΌ ΠΈ ставкам ΠΏΠΎ Π½ΠΈΠΌ Π·Π° всю ΠΈΡΡ‚ΠΎΡ€ΠΈΡŽ сущСствования Π² России ΠΈΠΏΠΎΡ‚Π΅ΠΊΠΈ.

Π’ 2018 Π³ΠΎΠ΄Ρƒ срСдний ΠΏΡ€ΠΎΡ†Π΅Π½Ρ‚ ΠΏΠΎ ΠΈΠΏΠΎΡ‚Π΅Ρ‡Π½Ρ‹ΠΌ ΠΊΡ€Π΅Π΄ΠΈΡ‚Π°ΠΌ, Π²Ρ‹Π΄Π°Π½Π½Ρ‹ΠΌ Π² Ρ‚Π΅Ρ‡Π΅Π½ΠΈΠ΅ ΠΊΠ°Π»Π΅Π½Π΄Π°Ρ€Π½ΠΎΠ³ΠΎ мСсяца, составил:

  • Π―Π½Π²Π°Ρ€ΡŒ β€” 9,79% Π³ΠΎΠ΄ΠΎΠ²Ρ‹Ρ….
  • Π€Π΅Π²Ρ€Π°Π»ΡŒ β€” 9,85% Π³ΠΎΠ΄ΠΎΠ²Ρ‹Ρ….
  • ΠœΠ°Ρ€Ρ‚ β€” 9,75% Π³ΠΎΠ΄ΠΎΠ²Ρ‹Ρ….
  • ΠΠΏΡ€Π΅Π»ΡŒ β€” 9,64% Π³ΠΎΠ΄ΠΎΠ²Ρ‹Ρ….

Π˜Π½Ρ„ΠΎΡ€ΠΌΠ°Ρ†ΠΈΠΈ Π·Π° ΠΌΠ°ΠΉ ΠΏΠΎΠΊΠ° Π½Π΅Ρ‚, ΠΏΠΎΡΠΊΠΎΠ»ΡŒΠΊΡƒ мСсяц Π΅Ρ‰Π΅ Π½Π΅ Π·Π°Π²Π΅Ρ€ΡˆΠΈΠ»ΡΡ.

БрСдняя ставка ΠΏΠΎ ΠΈΠΏΠΎΡ‚Π΅ΠΊΠ΅ Π² России Π²ΠΏΠ΅Ρ€Π²Ρ‹Π΅ ΠΎΠΏΡƒΡΡ‚ΠΈΠ»Π°ΡΡŒ Π½ΠΈΠΆΠ΅ дСсяти ΠΏΡ€ΠΎΡ†Π΅Π½Ρ‚ΠΎΠ² Π² ноябрС ΠΏΡ€ΠΎΡˆΠ»ΠΎΠ³ΠΎ Π³ΠΎΠ΄Π° β€” Ρ‚ΠΎΠ³Π΄Π° ΠΏΠΎ Π²Ρ‹Π΄Π°Π½Π½Ρ‹ΠΌ Π² Ρ‚Π΅Ρ‡Π΅Π½ΠΈΠ΅ мСсяца ΠΊΡ€Π΅Π΄ΠΈΡ‚Π°ΠΌ срСднСС Π·Π½Π°Ρ‡Π΅Π½ΠΈΠ΅ ΠΈΠΏΠΎΡ‚Π΅Ρ‡Π½ΠΎΠΉ ставки составило 9,95%.

Π’ 2018 Π³ΠΎΠ΄Ρƒ Π½Π° ΡΡ€Π΅Π΄Π½ΡŽΡŽ ставку Π² Ρ‚ΠΎΠΌ числС ΠΎΠΊΠ°Π·Ρ‹Π²Π°Π΅Ρ‚ влияниС Π»ΡŒΠ³ΠΎΡ‚Π½Π°Ρ сСмСйная ΠΈΠΏΠΎΡ‚Π΅ΠΊΠ° для сСмСй, Π² ΠΊΠΎΡ‚ΠΎΡ€Ρ‹Ρ… появляСтся Π²Ρ‚ΠΎΡ€ΠΎΠΉ ΠΈΠ»ΠΈ Ρ‚Ρ€Π΅Ρ‚ΠΈΠΉ Ρ€Π΅Π±Π΅Π½ΠΎΠΊ. Π‘Ρ‚Π°Π²ΠΊΠ° ΠΏΠΎ Ρ‚Π°ΠΊΠΈΠΌ ΠΊΡ€Π΅Π΄ΠΈΡ‚Π°ΠΌ составляСт 6%. Π’ Π½Π΅ΠΊΠΎΡ‚ΠΎΡ€Ρ‹Ρ… Ρ€Π΅Π³ΠΈΠΎΠ½Π°Ρ… дСйствуСт госпрограмма с Π΅Ρ‰Π΅ Π±ΠΎΠ»Π΅Π΅ Π½ΠΈΠ·ΠΊΠΎΠΉ ставкой для ΠΌΠΎΠ»ΠΎΠ΄Ρ‹Ρ… сСмСй.

Π’ΠΏΡ€ΠΎΡ‡Π΅ΠΌ, количСство ΠΈΠΏΠΎΡ‚Π΅Ρ‡Π½Ρ‹Ρ… ΠΊΡ€Π΅Π΄ΠΈΡ‚ΠΎΠ² ΠΏΠΎ Π»ΡŒΠ³ΠΎΡ‚Π½ΠΎΠΉ ставкС Π² любом случаС Π½Π΅ Ρ‚Π°ΠΊ Π²Π΅Π»ΠΈΠΊΠΎ, Ρ‡Ρ‚ΠΎΠ±Ρ‹ ΠΎΠΊΠ°Π·Ρ‹Π²Π°Ρ‚ΡŒ Ρ€Π΅ΡˆΠ°ΡŽΡ‰Π΅Π΅ влияниС Π½Π° срСдний ΠΏΡ€ΠΎΡ†Π΅Π½Ρ‚. ΠŸΡ€ΠΈΠ²Π΅Π΄Π΅Π½Π½Ρ‹Π΅ Π²Ρ‹ΡˆΠ΅ Ρ†ΠΈΡ„Ρ€Ρ‹ ΠΎΡ‚Ρ€Π°ΠΆΠ°ΡŽΡ‚ ΠΎΠ±Ρ‰ΡƒΡŽ Π΄ΠΈΠ½Π°ΠΌΠΈΠΊΡƒ Π½Π° Ρ€Ρ‹Π½ΠΊΠ΅ ΠΈΠΏΠΎΡ‚Π΅Ρ‡Π½ΠΎΠ³ΠΎ крСдитования, ΠΈ ΡΡ€Π°Π²Π½ΠΈΡ‚Π΅Π»ΡŒΠ½ΠΎ нСбольшиС ставки доступны сСгодня всСм Π·Π°Π΅ΠΌΡ‰ΠΈΠΊΠ°ΠΌ.

Π‘Π½ΠΈΠΆΠ΅Π½ΠΈΠ΅ ставки ΠΏΠΎ ΠΈΠΏΠΎΡ‚Π΅ΠΊΠ΅ Π² 2018 Π³ΠΎΠ΄Ρƒ - послСдниС новости ΠΎ Π΄ΠΈΠ½Π°ΠΌΠΈΠΊΠ΅ ΠΈΠΏΠΎΡ‚Π΅Ρ‡Π½Ρ‹Ρ… ставок Π² России

ΠŸΡ€ΠΎΠ³Π½ΠΎΠ· ΠΏΠΎ ΠΈΠΏΠΎΡ‚Π΅ΠΊΠ΅ β€” сниТСниС ставок Π² 2018 Π³ΠΎΠ΄Ρƒ Π΄ΠΎ 8,5% ΠΈ Π½ΠΈΠΆΠ΅

Π’ ΠΊΠΎΠ½Ρ†Π΅ ΠΌΠ°Ρ€Ρ‚Π° Π³Π°Π·Π΅Ρ‚Π° β€œΠ˜Π·Π²Π΅ΡΡ‚ΠΈΡβ€ опросила прСдставитСлСй ΠΊΡ€ΡƒΠΏΠ½Π΅ΠΉΡˆΠΈΡ… российских Π±Π°Π½ΠΊΠΎΠ² ΠΈ экспСртов Ρ€Ρ‹Π½ΠΊΠ° Π½Π° Ρ‚Π΅ΠΌΡƒ Ρ‚ΠΎΠ³ΠΎ, Ρ‡Ρ‚ΠΎ Π±ΡƒΠ΄Π΅Ρ‚ с ΠΈΠΏΠΎΡ‚Π΅ΠΊΠΎΠΉ Π² 2018 Π³ΠΎΠ΄Ρƒ. ΠžΠ±Ρ‰Π΅Π΅ ΠΌΠ½Π΅Π½ΠΈΠ΅ экономистов β€” ставки ΠΏΠΎ ΠΈΠΏΠΎΡ‚Π΅ΠΊΠ΅ Π² 2018 Π³ΠΎΠ΄Ρƒ ΠΏΡ€ΠΎΠ΄ΠΎΠ»ΠΆΠ°Ρ‚ сниТСниС, ΠΈ ΠΊ ΠΊΠΎΠ½Ρ†Ρƒ Π³ΠΎΠ΄Π° ΠΎΠ½ΠΈ станут Π½ΠΈΠΆΠ΅ Π½Π° ΠΏΡ€ΠΎΡ†Π΅Π½Ρ‚-ΠΏΠΎΠ»Ρ‚ΠΎΡ€Π°. Π’Π°ΠΊΠΈΠΌ ΠΎΠ±Ρ€Π°Π·ΠΎΠΌ, Π²ΠΏΠΎΠ»Π½Π΅ Ρ€Π΅Π°Π»ΡŒΠ½ΠΎΠΉ являСтся срСдняя ипотСчная ставка Π² России Π² ΠΊΠΎΠ½Ρ†Π΅ 2018 Π³ΠΎΠ΄Π° Π½Π° ΡƒΡ€ΠΎΠ²Π½Π΅ 8,5%. И это ΠΏΡ€ΠΈ достаточно консСрвативном ΠΏΠΎΠ΄Ρ…ΠΎΠ΄Π΅.

Как ΡΠΎΠΎΠ±Ρ‰Π°ΡŽΡ‚ Ρ‚Π΅ ΠΆΠ΅ β€œΠ˜Π·Π²Π΅ΡΡ‚ΠΈΡβ€, Π² ΠΌΠ°Ρ€Ρ‚Π΅, ΠΏΡ€ΠΈ срСднСй ставкС ΠΏΠΎ Π΄Π°Π½Π½Ρ‹ΠΌ Π¦Π‘ Π½Π° ΡƒΡ€ΠΎΠ²Π½Π΅ 9,75%, для 15 ΠΊΡ€ΡƒΠΏΠ½Π΅ΠΉΡˆΠΈΡ… Π±Π°Π½ΠΊΠΎΠ² России статистика Π±Ρ‹Π»Π° Π·Π°ΠΌΠ΅Ρ‚Π½ΠΎ Π½ΠΈΠΆΠ΅ β€” 9,4% Π½Π° ΠΏΠ΅Ρ€Π²ΠΈΡ‡Π½ΠΎΠ΅ ТильС ΠΈ 9,5% β€” Π½Π° β€œΠ²Ρ‚ΠΎΡ€ΠΈΡ‡ΠΊΡƒβ€.

Π Π°Π·Π»ΠΈΡ‡Π½Ρ‹Π΅ российскиС Π±Π°Π½ΠΊΠΈ Π΄Π°ΡŽΡ‚ Ρ€Π°Π·Π½Ρ‹ΠΉ ΠΏΡ€ΠΎΠ³Π½ΠΎΠ· ΠΏΠΎ срСднСй ставкС Π½Π° ΠΈΠΏΠΎΡ‚Π΅ΠΊΡƒ Π² ΠΊΠΎΠ½Ρ†Π΅ 2018 Π³ΠΎΠ΄Π°. Π­Ρ‚ΠΈ ΠΏΡ€ΠΎΠ³Π½ΠΎΠ·Ρ‹ ΠΎΡ‚Π»ΠΈΡ‡Π°ΡŽΡ‚ΡΡ Ρ‚ΠΎΠ»ΡŒΠΊΠΎ ΡΡ‚Π΅ΠΏΠ΅Π½ΡŒΡŽ сниТСния, ΠΊΠΎΡ‚ΠΎΡ€ΡƒΡŽ ΠΎΠΆΠΈΠ΄Π°ΡŽΡ‚ Ρ‚Π΅ ΠΈΠ»ΠΈ ΠΈΠ½Ρ‹Π΅ экспСрты. Π’ Ρ‚ΠΎΠΌ, Ρ‡Ρ‚ΠΎ сниТСниС послСдуСт, ΡƒΠ²Π΅Ρ€Π΅Π½Ρ‹ всС.

КакоС сниТСниС срСднСй ставки ΠΏΠΎ ΠΈΠΏΠΎΡ‚Π΅ΠΊΠ΅ ΠΎΠΆΠΈΠ΄Π°ΡŽΡ‚ Π² ΠΊΠΎΠ½Ρ†Π΅ 2018 Π³ΠΎΠ΄Π° Π°Π½Π°Π»ΠΈΡ‚ΠΈΠΊΠΈ Ρ€Π°Π·Π»ΠΈΡ‡Π½Ρ‹Ρ… Π±Π°Π½ΠΊΠΎΠ²:

  • Π“Π°Π·ΠΏΡ€ΠΎΠΌΠ±Π°Π½ΠΊ β€” 7-8% Π³ΠΎΠ΄ΠΎΠ²Ρ‹Ρ….
  • Π‘Π°Π½ΠΊ Π’ΠΎΠ·Ρ€ΠΎΠΆΠ΄Π΅Π½ΠΈΠ΅ β€” 8,3-9% Π³ΠΎΠ΄ΠΎΠ²Ρ‹Ρ….
  • Π‘Π°Π½ΠΊ Π”Π΅Π»ΡŒΡ‚Π°ΠšΡ€Π΅Π΄ΠΈΡ‚ β€” 8,5-9% Π³ΠΎΠ΄ΠΎΠ²Ρ‹Ρ….
  • Π¦Π΅Π½Ρ‚Ρ€Π°Π»ΡŒΠ½Ρ‹ΠΉ Π‘Π°Π½ΠΊ Π Π€ β€” 8,0% Π³ΠΎΠ΄ΠΎΠ²Ρ‹Ρ….

Как ΠΎΡ‚ΠΌΠ΅Ρ‡Π°ΡŽΡ‚ Π°Π½Π°Π»ΠΈΡ‚ΠΈΠΊΠΈ, ΠΏΡ€ΠΈ сниТСнии ставок всСго Π½Π° ΠΎΠ΄ΠΈΠ½ ΠΏΡ€ΠΎΡ†Π΅Π½Ρ‚ объСм Π²Ρ‹Π΄Π°Π½Π½Ρ‹Ρ… ΠΊΡ€Π΅Π΄ΠΈΡ‚ΠΎΠ² растСт Π½Π° 40%.

Для Ρ‚ΠΎΠ³ΠΎ, Ρ‡Ρ‚ΠΎΠ±Ρ‹ ΡƒΠ΄Π²ΠΎΠΈΡ‚ΡŒ количСство Π²Ρ‹Π΄Π°Π½Π½Ρ‹Ρ… ΠΊΡ€Π΅Π΄ΠΈΡ‚ΠΎΠ², трСбуСтся, Ρ‡Ρ‚ΠΎΠ±Ρ‹ ΠΊΠ»ΡŽΡ‡Π΅Π²Π°Ρ ставка Π¦Π‘ Π Π€ ΠΎΠΏΡƒΡΡ‚ΠΈΠ»Π°ΡΡŒ Π΄ΠΎ уровня 6-7%. На сСгодняшний дСнь ΠΎΠ½Π° составляСт 7,25% Π³ΠΎΠ΄ΠΎΠ²Ρ‹Ρ…. ΠžΡ‚ ΠΊΠ»ΡŽΡ‡Π΅Π²ΠΎΠΉ ставки Π½Π°ΠΏΡ€ΡΠΌΡƒΡŽ зависят ставки ΠΏΠΎ всСм ΠΊΡ€Π΅Π΄ΠΈΡ‚Π°ΠΌ Π² странС.

Из Ρ‚Π΅Ρ… Ρ‚Π΅Π½Π΄Π΅Π½Ρ†ΠΈΠΉ, Π½Π° ΠΊΠΎΡ‚ΠΎΡ€Ρ‹Π΅ ΠΎΠ±Ρ€Π°Ρ‰Π°ΡŽΡ‚ Π²Π½ΠΈΠΌΠ°Π½ΠΈΠ΅ экспСрты, стоит ΡƒΠΏΠΎΠΌΡΠ½ΡƒΡ‚ΡŒ ΠΎ Π΄Π²ΡƒΡ… Π±Π°Π·ΠΎΠ²Ρ‹Ρ…. Π’ΠΎ-ΠΏΠ΅Ρ€Π²Ρ‹Ρ…, растСт доля ΠΏΠ΅Ρ€Π²ΠΈΡ‡Π½ΠΎΠ³ΠΎ Тилья Π² ΠΈΠΏΠΎΡ‚Π΅ΠΊΠ΅, Π½Π° это Π² Ρ‚ΠΎΠΌ числС Π½Π°ΠΏΡ€Π°Π²Π»Π΅Π½Π° ΠΈ государствСнная ΠΏΠΎΠ»ΠΈΡ‚ΠΈΠΊΠ°, которая Π΄Π΅Π»Π°Π΅Ρ‚ ΠΈΠΏΠΎΡ‚Π΅ΠΊΡƒ Π½Π° ΠΏΠ΅Ρ€Π²ΠΈΡ‡Π½ΠΎΠ΅ ТильС Π±ΠΎΠ»Π΅Π΅ Π²Ρ‹Π³ΠΎΠ΄Π½ΠΎΠΉ. Π’ΠΎ-Π²Ρ‚ΠΎΡ€Ρ‹Ρ…, растСт срСдняя сумма ΠΊΡ€Π΅Π΄ΠΈΡ‚Π°, Ρ‡Ρ‚ΠΎ происходит Π² Ρ‚ΠΎΠΌ числС Π·Π° счСт сниТСния ΠΏΡ€ΠΎΡ†Π΅Π½Ρ‚Π½Ρ‹Ρ… ставок. РоссиянС Π·Π° счСт сниТСния ставок ΠΌΠΎΠ³ΡƒΡ‚ ΠΏΠΎΠ·Π²ΠΎΠ»ΠΈΡ‚ΡŒ сСбС Π±ΠΎΠ»Π΅Π΅ Π΄ΠΎΡ€ΠΎΠ³ΠΎΠ΅ ТильС.

ΠœΠ΅ΠΆΠ΄ΡƒΠ½Π°Ρ€ΠΎΠ΄Π½ΠΎΠ΅ Ρ€Π΅ΠΉΡ‚ΠΈΠ½Π³ΠΎΠ²ΠΎΠ΅ агСнтство Moody’s Π΄Π°Π»ΠΎ ΠΏΡ€ΠΎΠ³Π½ΠΎΠ· ΠΏΠΎ ΠΈΠΏΠΎΡ‚Π΅Ρ‡Π½ΠΎΠΌΡƒ Ρ€Ρ‹Π½ΠΊΡƒ Π² России, согласно ΠΊΠΎΡ‚ΠΎΡ€ΠΎΠΌΡƒ количСство ΠΈΠΏΠΎΡ‚Π΅Ρ‡Π½ΠΈΠΊΠΎΠ² Π² странС Π² 2018 Π³ΠΎΠ΄Ρƒ вырастСт ΠΏΡ€ΠΈΠΌΠ΅Ρ€Π½ΠΎ Π½Π° ΠΎΠ΄ΠΈΠ½ ΠΌΠΈΠ»Π»ΠΈΠΎΠ½ Ρ‡Π΅Π»ΠΎΠ²Π΅ΠΊ.

Π¦Π‘ ΠΏΡ€ΠΎΠ³Π½ΠΎΠ·ΠΈΡ€ΡƒΠ΅Ρ‚ сниТСниС ставок ΠΏΠΎ ΠΈΠΏΠΎΡ‚Π΅ΠΊΠ΅ Π² 2018 Π³ΠΎΠ΄Ρƒ :: Π”Π΅Π½ΡŒΠ³ΠΈ :: Π Π‘Πš ΠΠ΅Π΄Π²ΠΈΠΆΠΈΠΌΠΎΡΡ‚ΡŒ

Π’Ρ‹ΠΏΠ»Π°Ρ‚Ρ‹ ΠΏΠΎ ΠΆΠΈΠ»ΠΈΡ‰Π½Ρ‹ΠΌ ΠΊΡ€Π΅Π΄ΠΈΡ‚Π°ΠΌ ΠΌΠΎΠ³ΡƒΡ‚ ΡƒΠΌΠ΅Π½ΡŒΡˆΠΈΡ‚ΡŒΡΡ Π΄ΠΎ 8%, Ρ‡Ρ‚ΠΎ Π½Π° Π΄Π²Π° ΠΏΡƒΠ½ΠΊΡ‚Π° Π½ΠΈΠΆΠ΅ Ρ‚Π΅ΠΊΡƒΡ‰ΠΈΡ… ΠΏΠΎΠΊΠ°Π·Π°Ρ‚Π΅Π»Π΅ΠΉ

Π€ΠΎΡ‚ΠΎ: Антон Π’Π°Π³Π°Π½ΠΎΠ²/ВАББ

Π€ΠΎΡ‚ΠΎ: Антон Π’Π°Π³Π°Π½ΠΎΠ²/ВАББ

Π‘Ρ‚Π°Π²ΠΊΠΈ ΠΏΠΎ ΠΈΠΏΠΎΡ‚Π΅ΠΊΠ΅ ΠΏΡ€ΠΎΠ΄ΠΎΠ»ΠΆΠ°Ρ‚ сниТСниС Π² 2018 Π³ΠΎΠ΄Ρƒ. О ΠΏΡ€ΠΎΠ³Π½ΠΎΠ·Π΅ Π¦Π΅Π½Ρ‚Ρ€ΠΎΠ±Π°Π½ΠΊΠ° сообщаСт «Российская Π³Π°Π·Π΅Ρ‚Π°Β».

По расчСтам Π¦Π‘, срСдняя ставка ΠΏΠΎ ΠΆΠΈΠ»ΠΈΡ‰Π½Ρ‹ΠΌ ΠΊΡ€Π΅Π΄ΠΈΡ‚Π°ΠΌ Π² Π½ΠΎΠ²ΠΎΠΌ Π³ΠΎΠ΄Ρƒ ΡƒΠΌΠ΅Π½ΡŒΡˆΠΈΡ‚ΡΡ Π½Π° Π΄Π²Π° ΠΏΡ€ΠΎΡ†Π΅Π½Ρ‚Π½Ρ‹Ρ… ΠΏΡƒΠ½ΠΊΡ‚Π° ΠΎΡ‚Π½ΠΎΡΠΈΡ‚Π΅Π»ΡŒΠ½ΠΎ Ρ‚Π΅ΠΊΡƒΡ‰ΠΈΡ… ΠΏΠΎΠΊΠ°Π·Π°Ρ‚Π΅Π»Π΅ΠΉ. Π’Π°ΠΊΠΈΠΌ ΠΎΠ±Ρ€Π°Π·ΠΎΠΌ, ставка ΠΏΠΎ ΠΈΠΏΠΎΡ‚Π΅ΠΊΠ΅ 2018 Π³ΠΎΠ΄Ρƒ составит 8% Π³ΠΎΠ΄ΠΎΠ²Ρ‹Ρ…, сказано Π² ΠΏΡƒΠ±Π»ΠΈΠΊΠ°Ρ†ΠΈΠΈ.

ПадСниС Π²Ρ‹ΠΏΠ»Π°Ρ‚ ΠΏΠΎ ΠΆΠΈΠ»ΠΈΡ‰Π½Ρ‹ΠΌ ΠΊΡ€Π΅Π΄ΠΈΡ‚Π°ΠΌ станСт слСдствиСм сокращСния ΠΊΠ»ΡŽΡ‡Π΅Π²ΠΎΠΉ ставки, которая Π² 2018 Π³ΠΎΠ΄Ρƒ опустится Π΄ΠΎ уровня 6,8–7%, ΠΏΡ€ΠΎΠ³Π½ΠΎΠ·ΠΈΡ€ΡƒΠ΅Ρ‚ Π±Π°Π½ΠΊ. Π­Ρ‚ΠΎ Π½Π° 2,5–3 ΠΏ. ΠΏ. Π²Ρ‹ΡˆΠ΅ расчСтного уровня инфляции, сообщила Π³Π°Π·Π΅Ρ‚Π°.

По ΠΈΡ‚ΠΎΠ³Π°ΠΌ 2017 Π³ΠΎΠ΄Π° ставки ΠΏΠΎ ΠΈΠΏΠΎΡ‚Π΅ΠΊΠ΅ достигли Ρ€Π΅ΠΊΠΎΡ€Π΄Π½ΠΎ Π½ΠΈΠ·ΠΊΠΈΡ… Π·Π½Π°Ρ‡Π΅Π½ΠΈΠΉ: 9,8% для новостроСк ΠΈ 10,02% β€” для ΠΎΠ±ΡŠΠ΅ΠΊΡ‚ΠΎΠ² Π²Ρ‚ΠΎΡ€ΠΈΡ‡Π½ΠΎΠ³ΠΎ Ρ€Ρ‹Π½ΠΊΠ°.

Π‘Ρ€Π°Ρ‚ΡŒ ΠΈΠΏΠΎΡ‚Π΅ΠΊΡƒ сСйчас ΠΈΠ»ΠΈ ΠΏΠΎΠ΄ΠΎΠΆΠ΄Π°Ρ‚ΡŒ Π΄ΠΎ осСни

По мнСнию Π°Π½Π°Π»ΠΈΡ‚ΠΈΠΊΠΎΠ², Π΄ΠΎ ΠΊΠΎΠ½Ρ†Π° Π³ΠΎΠ΄Π° ΠΈΠΏΠΎΡ‚Π΅ΠΊΠ° ΠΏΠΎΠ΄Π΅ΡˆΠ΅Π²Π΅Π΅Ρ‚ Π΅Ρ‰Π΅, Π½ΠΎ ΡƒΠΆΠ΅ Π½Π΅ Ρ‚Π°ΠΊ сильно. ΠŸΠΎΡΡ‚ΠΎΠΌΡƒ Ссли Π΅ΡΡ‚ΡŒ пСрвоочСрСдная Π½Π΅ΠΎΠ±Ρ…ΠΎΠ΄ΠΈΠΌΠΎΡΡ‚ΡŒ Π² ΡƒΠ»ΡƒΡ‡ΡˆΠ΅Π½ΠΈΠΈ ΠΆΠΈΠ»ΠΈΡ‰Π½Ρ‹Ρ… условий ΠΈ финансовыС возмоТности, Ρ‚ΠΎ стоит Ρ€Π°ΡΡΠΌΠΎΡ‚Ρ€Π΅Ρ‚ΡŒ ΠΏΠΎΠΊΡƒΠΏΠΊΡƒ Тилья Π² ΠΊΡ€Π΅Π΄ΠΈΡ‚

Π€ΠΎΡ‚ΠΎ: Shift Drive/shutterstock

Π€ΠΎΡ‚ΠΎ: Shift Drive/shutterstock

Π’ июнС Π‘Π°Π½ΠΊ России снизил ΠΊΠ»ΡŽΡ‡Π΅Π²ΡƒΡŽ ставку сразу Π½Π° 1 ΠΏ.ΠΏ. Π’ΠΏΠ΅Ρ€Π²Ρ‹Π΅ Π·Π° ΠΏΡΡ‚ΡŒ Π»Π΅Ρ‚ ставка ΠΎΠΏΡƒΡΡ‚ΠΈΠ»Π°ΡΡŒ Π΄ΠΎ 4,5% Π³ΠΎΠ΄ΠΎΠ²Ρ‹Ρ…. Π­Ρ‚ΠΎ Ρ€Π΅ΠΊΠΎΡ€Π΄Π½ΠΎ Π½ΠΈΠ·ΠΊΠΈΠΉ ΡƒΡ€ΠΎΠ²Π΅Π½ΡŒ стоимости заимствований Π² российской истории. РоссийскиС Π±Π°Π½ΠΊΠΈ вслСд Π·Π° ΠΊΠ»ΡŽΡ‡Π΅Π²ΠΎΠΉ ΠΏΠΎΠ½ΠΈΠ·ΠΈΠ»ΠΈ ставки ΠΏΠΎ ΠΊΡ€Π΅Π΄ΠΈΡ‚Π°ΠΌ, Π² Ρ‚ΠΎΠΌ числС ΠΈΠΏΠΎΡ‚Π΅Ρ‡Π½Ρ‹ΠΌ. НСкоторыС Π±Π°Π½ΠΊΠΈ ΡƒΠΆΠ΅ ΠΎΡ‚Ρ€Π΅Π°Π³ΠΈΡ€ΠΎΠ²Π°Π»ΠΈ Π½Π° Ρ€Π΅ΡˆΠ΅Π½ΠΈΠ΅ рСгулятора ΠΈ снизили ставки. Π§Π°ΡΡ‚ΡŒ ΠΌΠΎΠΆΠ΅Ρ‚ ΡΠ΄Π΅Π»Π°Ρ‚ΡŒ это Π² блиТайшСС врСмя.

По Π΄Π°Π½Π½Ρ‹ΠΌ Π¦Π‘, Π² ΠΌΠ°Π΅ срСдняя ставка ΠΏΠΎ ΠΈΠΏΠΎΡ‚Π΅ΠΊΠ΅ Π² России достигла Π½ΠΎΠ²ΠΎΠ³ΠΎ историчСского ΠΌΠΈΠ½ΠΈΠΌΡƒΠΌΠ°Β β€” 7,4%. Π•Ρ‰Π΅ Π² Π½Π°Ρ‡Π°Π»Π΅ Π³ΠΎΠ΄Π° ΠΎΠ½Π° составляла 8,84%.

Π‘Π½ΠΈΠΆΠ΅Π½ΠΈΠ΅ ΠΊΠ»ΡŽΡ‡Π΅Π²ΠΎΠΉ ставки большС всСго пригодится покупатСлям Π²Ρ‚ΠΎΡ€ΠΈΡ‡ΠΊΠΈ, Π° Ρ‚Π°ΠΊΠΆΠ΅ Ρ‚Π΅ΠΌ, ΠΊΡ‚ΠΎ ΠΏΠ»Π°Π½ΠΈΡ€ΡƒΠ΅Ρ‚ Ρ€Π΅Ρ„ΠΈΠ½Π°Π½ΡΠΈΡ€ΠΎΠ²Π°Ρ‚ΡŒ ΠΈΠΏΠΎΡ‚Π΅ΠΊΡƒ, ΡΡ‡ΠΈΡ‚Π°ΡŽΡ‚ Π°Π½Π°Π»ΠΈΡ‚ΠΈΠΊΠΈ. На Ρ€Ρ‹Π½ΠΊΠ΅ новостроСк сСйчас дСйствуСт Π»ΡŒΠ³ΠΎΡ‚Π½Π°Ρ ΠΏΡ€ΠΎΠ³Ρ€Π°ΠΌΠΌΠ° ΠΏΠΎΠ΄ 6,5%. МногиС Π±Π°Π½ΠΊΠΈ ΠΏΡ€Π΅Π΄Π»Π°Π³Π°ΡŽΡ‚ Π΅Π΅ ΠΏΠΎ ставкС Π½ΠΈΠΆΠ΅ 6%. ΠšΡ€ΠΎΠΌΠ΅ Ρ‚ΠΎΠ³ΠΎ, Π½Π΅Π΄Π°Π²Π½ΠΎ Π±Ρ‹Π» ΡƒΠ²Π΅Π»ΠΈΡ‡Π΅Π½ Π»ΠΈΠΌΠΈΡ‚ Π»ΡŒΠ³ΠΎΡ‚Π½ΠΎΠ³ΠΎ ΠΊΡ€Π΅Π΄ΠΈΡ‚Π°, Ρ‡Ρ‚ΠΎ Ρ€Π°ΡΡˆΠΈΡ€ΡΠ΅Ρ‚ возмоТности для ΠΏΠΎΠΊΡƒΠΏΠΊΠΈ ΠΊΠ²Π°Ρ€Ρ‚ΠΈΡ€Ρ‹.

Бпросили Ρƒ экспСртов, стоит ли Π±Ρ€Π°Ρ‚ΡŒ ΠΈΠΏΠΎΡ‚Π΅ΠΊΡƒ послС сниТСния ΠΊΠ»ΡŽΡ‡Π΅Π²ΠΎΠΉ ставки ΠΈΠ»ΠΈ ΠΆΠ΄Π°Ρ‚ΡŒ осСни.

Β«ΠΡ‹Π½Π΅ΡˆΠ½ΠΈΠΉ ΡƒΡ€ΠΎΠ²Π΅Π½ΡŒ ΡΡ‚Π°Π²ΠΎΠΊΒ ΠΎΡ‡Π΅Π½ΡŒ ΠΏΡ€ΠΈΠ²Π»Π΅ΠΊΠ°Ρ‚Π΅Π»ΡŒΠ½Ρ‹ΠΉΒ»

Π€ΠΎΡ‚ΠΎ: Shift Drive/shutterstock

АлСксСй Π’ΠΎΠ»ΠΊΠΎΠ², Π΄ΠΈΡ€Π΅ΠΊΡ‚ΠΎΡ€ ΠΏΠΎ ΠΌΠ°Ρ€ΠΊΠ΅Ρ‚ΠΈΠ½Π³Ρƒ ΠΠ°Ρ†ΠΈΠΎΠ½Π°Π»ΡŒΠ½ΠΎΠ³ΠΎ Π±ΡŽΡ€ΠΎ ΠΊΡ€Π΅Π΄ΠΈΡ‚Π½Ρ‹Ρ… историй (ΠΠ‘ΠšΠ˜):

β€” ΠšΠΎΠ»ΠΈΡ‡Π΅ΡΡ‚Π²ΠΎ заявок Π½Π° ΠΈΠΏΠΎΡ‚Π΅Ρ‡Π½Ρ‹Π΅ ΠΊΡ€Π΅Π΄ΠΈΡ‚Ρ‹ вСсной сильно ΡΠΎΠΊΡ€Π°Ρ‚ΠΈΠ»ΠΎΡΡŒ. Π’ ΠΌΠ°Π΅ Π±Ρ‹Π»ΠΎ ΠΏΠΎΠ΄Π°Π½ΠΎ Π½Π° 50% мСньшС заявок ΠΏΠΎ ΡΡ€Π°Π²Π½Π΅Π½ΠΈΡŽ с ΠΌΠ°Ρ€Ρ‚ΠΎΠΌ Ρ‚Π΅ΠΊΡƒΡ‰Π΅Π³ΠΎ Π³ΠΎΠ΄Π°. Π’ Π°ΠΏΡ€Π΅Π»Π΅ ΠΏΠ°Π΄Π΅Π½ΠΈΠ΅ Π±Ρ‹Π»ΠΎ Π΅Ρ‰Π΅ Π±ΠΎΠ»Π΅Π΅ ΡΠΈΠ»ΡŒΠ½Ρ‹ΠΌ. ΠžΡ‡Π΅Π²ΠΈΠ΄Π½ΠΎ, Ρ‡Ρ‚ΠΎ всС это — экономичСскиС послСдствия ΠΏΠ°Π½Π΄Π΅ΠΌΠΈΠΈ коронавируса ΠΈ ΠΊΠ°Ρ€Π°Π½Ρ‚ΠΈΠ½Π°. Π’Π²Π΅Π΄Π΅Π½ΠΈΠ΅ ΠΏΡ€ΠΎΠ³Ρ€Π°ΠΌΠΌΡ‹ Π»ΡŒΠ³ΠΎΡ‚Π½ΠΎΠΉ ΠΈΠΏΠΎΡ‚Π΅ΠΊΠΈ ΠΈ ΠΎΡ‡Π΅Ρ€Π΅Π΄Π½ΠΎΠ΅ сниТСниС ΠΊΠ»ΡŽΡ‡Π΅Π²ΠΎΠΉ ставки Π¦Π‘Β β€” ΠΎΡ‡Π΅Π½ΡŒ ΡΠ΅Ρ€ΡŒΠ΅Π·Π½Ρ‹Π΅ ΠΏΠΎΠ·ΠΈΡ‚ΠΈΠ²Π½Ρ‹Π΅ сигналы ΠΊΠ°ΠΊ для экономики Π² Ρ†Π΅Π»ΠΎΠΌ, ΡΡ‚Ρ€ΠΎΠΈΡ‚Π΅Π»ΡŒΠ½ΠΎΠΉ отрасли, Ρ‚Π°ΠΊ ΠΈ для Π·Π°Π΅ΠΌΡ‰ΠΈΠΊΠΎΠ².

ΠœΠΎΠΆΠ΅Ρ‚Β Π»ΠΈ ΠΎΠΏΡƒΡΡ‚ΠΈΡ‚ΡŒΡΡ ΡƒΡ€ΠΎΠ²Π΅Π½ΡŒ ΠΈΠΏΠΎΡ‚Π΅Ρ‡Π½Ρ‹Ρ… ставок Π΅Ρ‰Π΅ Π½ΠΈΠΆΠ΅Β β€” ΡΠΊΠ°Π·Π°Ρ‚ΡŒ Ρ‚Ρ€ΡƒΠ΄Π½ΠΎ. ΠŸΡ€ΠΈ этом Π½Ρ‹Π½Π΅ΡˆΠ½ΠΈΠΉ ΡƒΡ€ΠΎΠ²Π΅Π½ΡŒ ΠΊΠ°ΠΊ Π»ΡŒΠ³ΠΎΡ‚Π½Ρ‹Ρ… ставок, Ρ‚Π°ΠΊ ΠΈ ставок ΠΎΡ‚Π΄Π΅Π»ΡŒΠ½Ρ‹Ρ… Π±Π°Π½ΠΊΠΎΠ²Β β€” историчСски самый Π½ΠΈΠ·ΠΊΠΈΠΉ для ΠΈΠΏΠΎΡ‚Π΅Ρ‡Π½ΠΎΠ³ΠΎ крСдитования Π² странС.

ΠŸΠΎΡΡ‚ΠΎΠΌΡƒ Ссли сущСствуСт пСрвоочСрСдная Π½Π΅ΠΎΠ±Ρ…ΠΎΠ΄ΠΈΠΌΠΎΡΡ‚ΡŒ Π² ΡƒΠ»ΡƒΡ‡ΡˆΠ΅Π½ΠΈΠΈ ΠΆΠΈΠ»ΠΈΡ‰Π½Ρ‹Ρ… условий (Π½Π°ΠΏΡ€ΠΈΠΌΠ΅Ρ€, ΠΏΡ€ΠΈ Ρ€ΠΎΠΆΠ΄Π΅Π½ΠΈΠΈ Ρ€Π΅Π±Π΅Π½ΠΊΠ°), Ρ‚ΠΎ Π½Ρ‹Π½Π΅ΡˆΠ½ΠΈΠΉ ΡƒΡ€ΠΎΠ²Π΅Π½ΡŒ ΡΡ‚Π°Π²ΠΎΠΊΒ ΠΎΡ‡Π΅Π½ΡŒ ΠΏΡ€ΠΈΠ²Π»Π΅ΠΊΠ°Ρ‚Π΅Π»ΡŒΠ½Ρ‹ΠΉ. НапримСр, ΠΏΠΎ ΠΈΠΏΠΎΡ‚Π΅ΠΊΠ΅ с господдСрТкой ΠΏΠΎ ставкС 6,5%, которая Π½ΠΈΠΆΠ΅ Π½Ρ‹Π½Π΅ΡˆΠ½Π΅ΠΉ срСднСрыночной ставки ΠΏΠΎ ΠΈΠΏΠΎΡ‚Π΅ΠΊΠ΅ Π½Π° нСсколько ΠΏΡ€ΠΎΡ†Π΅Π½Ρ‚Π½Ρ‹Ρ… ΠΏΡƒΠ½ΠΊΡ‚ΠΎΠ².

Однако Π½Π΅ΠΎΠ±Ρ…ΠΎΠ΄ΠΈΠΌΠΎ ΡΠΎΠ±Π»ΡŽΠ΄Π°Ρ‚ΡŒ ряд условий. Π’ΠΎ-ΠΏΠ΅Ρ€Π²Ρ‹Ρ…, Ρƒ Π·Π°Π΅ΠΌΡ‰ΠΈΠΊΠ° Π΄ΠΎΠ»ΠΆΠ½Ρ‹ Π±Ρ‹Ρ‚ΡŒ ΡΡ‚Π°Π±ΠΈΠ»ΡŒΠ½Ρ‹ΠΉ Π·Π°Ρ€Π°Π±ΠΎΡ‚ΠΎΠΊ, ΠΏΠΎΠ·Π²ΠΎΠ»ΡΡŽΡ‰ΠΈΠΉ ΠΎΠ±ΡΠ»ΡƒΠΆΠΈΠ²Π°Ρ‚ΡŒ ΠΊΡ€Π΅Π΄ΠΈΡ‚, ΠΈ приСмлСмая долговая Π½Π°Π³Ρ€ΡƒΠ·ΠΊΠ°. Π’ΠΎ-Π²Ρ‚ΠΎΡ€Ρ‹Ρ…, ΠΎΠ±ΡΠ·Π°Ρ‚Π΅Π»ΡŒΠ½ΠΎ Π½Π°Π»ΠΈΡ‡ΠΈΠ΅ срСдств для ΠΏΠ΅Ρ€Π²ΠΎΠ½Π°Ρ‡Π°Π»ΡŒΠ½ΠΎΠ³ΠΎ взноса. И ΠΊΠΎΠ½Π΅Ρ‡Π½ΠΎ, Π½Π°Π΄ΠΎ Π³ΠΎΡ‚ΠΎΠ²ΠΈΡ‚ΡŒ ΠΈ свою ΠΊΡ€Π΅Π΄ΠΈΡ‚Π½ΡƒΡŽ ΠΈΡΡ‚ΠΎΡ€ΠΈΡŽ. ΠŸΡ€Π°ΠΊΡ‚ΠΈΠΊΠ° ΠΏΠΎΠΊΠ°Π·Ρ‹Π²Π°Π΅Ρ‚, Ρ‡Ρ‚ΠΎ Π±Π°Π½ΠΊΠΈ ΠΎΡ…ΠΎΡ‚Π½Π΅Π΅ Π΄Π°ΡŽΡ‚ ΠΈΠΏΠΎΡ‚Π΅ΠΊΡƒ, Π² Ρ‚ΠΎΠΌ числС Π½Π° Π²Ρ‹Π³ΠΎΠ΄Π½Ρ‹Ρ… для заСмщика условиях, Ρ‚Π΅ΠΌ Ρƒ ΠΊΠΎΠ³ΠΎ ΠΏΠ΅Ρ€ΡΠΎΠ½Π°Π»ΡŒΠ½Ρ‹ΠΉ ΠΊΡ€Π΅Π΄ΠΈΡ‚Π½Ρ‹ΠΉ Ρ€Π΅ΠΉΡ‚ΠΈΠ½Π³ (ПКР) достаточно высок. Если всС эти условия ΡΠΎΠ±Π»ΡŽΠ΄Π΅Π½Ρ‹, Ρ‚ΠΎ ΠΌΠΎΠΆΠ½ΠΎ ΠΏΡ€Π΅Π΄ΠΌΠ΅Ρ‚Π½ΠΎ Ρ€Π°ΡΡΠΌΠ°Ρ‚Ρ€ΠΈΠ²Π°Ρ‚ΡŒ ΠΏΠΎΠΊΡƒΠΏΠΊΡƒ Тилья Π² ΠΊΡ€Π΅Π΄ΠΈΡ‚Β».

Β«ΠžΡ‚ΠΊΠ»Π°Π΄Ρ‹Π²Π°Ρ‚ΡŒ ΠΏΠΎΠΊΡƒΠΏΠΊΡƒ сСйчас Π½Π΅ ΠΈΠΌΠ΅Π΅Ρ‚ смысла»

Π€ΠΎΡ‚ΠΎ: Shift Drive/shutterstock

Π•ΠΊΠ°Ρ‚Π΅Ρ€ΠΈΠ½Π° Π©ΡƒΡ€ΠΈΡ…ΠΈΠ½Π°, младший Π΄ΠΈΡ€Π΅ΠΊΡ‚ΠΎΡ€ ΠΏΠΎ банковским Ρ€Π΅ΠΉΡ‚ΠΈΠ½Π³Π°ΠΌ агСнтства «ЭкспСрт РА»:

β€” Π‘ Ρ‚ΠΎΡ‡ΠΊΠΈ зрСния ставок сСйчас достаточно благоприятноС врСмя для оформлСния ΠΈΠΏΠΎΡ‚Π΅ΠΊΠΈ. Π‘ΠΎΠ»ΡŒΡˆΠΈΠ½ΡΡ‚Π²ΠΎ ΠΈΠ³Ρ€ΠΎΠΊΠΎΠ² ΡƒΠΆΠ΅ ΡƒΡ‡Π»ΠΈ сигналы рСгулятора ΠΎ ΠΏΠ΅Ρ€Π΅Ρ…ΠΎΠ΄Π΅ ΠΊ мягкой Π΄Π΅Π½Π΅ΠΆΠ½ΠΎ-ΠΊΡ€Π΅Π΄ΠΈΡ‚Π½ΠΎΠΉ ΠΏΠΎΠ»ΠΈΡ‚ΠΈΠΊΠ΅ ΠΈ скоррСктировали ΠΏΡ€ΠΎΡ†Π΅Π½Ρ‚Ρ‹ ΠΏΠΎ ΠΈΠΏΠΎΡ‚Π΅ΠΊΠ΅ Π΅Ρ‰Π΅ Π΄ΠΎ июньского сниТСния ΠΊΠ»ΡŽΡ‡Π΅Π²ΠΎΠΉ ставки Π½Π° 1 ΠΏ.ΠΏ. Π’ΠΎΠ·ΠΌΠΎΠΆΠ½Ρ‹ΠΉ Π΄ΠΈΠ°ΠΏΠ°Π·ΠΎΠ½ сниТСния ставок Π² блиТайшиС ΠΎΠ΄ΠΈΠ½-Π΄Π²Π° мСсяца — 0,3–0,5 ΠΏ.ΠΏ. ΠšΡ€ΠΎΠΌΠ΅ Ρ‚ΠΎΠ³ΠΎ, ΠΏΡ€ΠΎΠ΄ΠΎΠ»ΠΆΠ°Π΅Ρ‚ Π΄Π΅ΠΉΡΡ‚Π²ΠΎΠ²Π°Ρ‚ΡŒ Π»ΡŒΠ³ΠΎΡ‚Π½Π°Ρ ΠΈΠΏΠΎΡ‚Π΅ΠΊΠ° Π½Π° новостройки ΠΏΠΎΠ΄ 6,5%. Богласно Π΄Π°Π½Π½Ρ‹ΠΌ Росстата, Π² ΠΏΠ΅Ρ€Π²ΠΎΠΌ ΠΊΠ²Π°Ρ€Ρ‚Π°Π»Π΅ срСдняя ΡΡ‚ΠΎΠΈΠΌΠΎΡΡ‚ΡŒ 1 ΠΊΠ². ΠΌ Тилья Π² России выросла в сСгмСнтС ΠΊΠ°ΠΊ ΠΏΠ΅Ρ€Π²ΠΈΡ‡Π½ΠΎΠΉ, Ρ‚Π°ΠΊ ΠΈ Π²Ρ‚ΠΎΡ€ΠΈΡ‡Π½ΠΎΠΉ нСдвиТимости. Π•ΡΡ‚ΡŒ основания ΠΏΠΎΠ»Π°Π³Π°Ρ‚ΡŒ, Ρ‡Ρ‚ΠΎ эта тСндСнция продолТится, особСнно с ΡƒΡ‡Π΅Ρ‚ΠΎΠΌ роста спроса Π½Π° новостройки ΠΈ Π·Π°Ρ‚Ρ€Π°Ρ‚ застройщиков.

Π’ случаС Ссли подходящий ΠΎΠ±ΡŠΠ΅ΠΊΡ‚ нСдвиТимости Π½Π°ΠΉΠ΄Π΅Π½, Ρ‚ΠΎ ΠΎΡ‚ΠΊΠ»Π°Π΄Ρ‹Π²Π°Ρ‚ΡŒ ΠΏΠΎΠΊΡƒΠΏΠΊΡƒ сСйчас Π½Π΅ ΠΈΠΌΠ΅Π΅Ρ‚ смысла: ситуация ΠΏΠΎ ставкам благоприятная, Π° рост Ρ†Π΅Π½ Π½Π° ТильС вСроятСн. Однако с ΡƒΡ‡Π΅Ρ‚ΠΎΠΌ сохранСния нСопрСдСлСнности Π² экономикС стоит Π΅Ρ‰Π΅ Π±ΠΎΠ»Π΅Π΅ Π²Π½ΠΈΠΌΠ°Ρ‚Π΅Π»ΡŒΠ½ΠΎ ΠΎΡ†Π΅Π½ΠΈΠ²Π°Ρ‚ΡŒ Π΄ΠΎΡΡ‚Π°Ρ‚ΠΎΡ‡Π½ΠΎΡΡ‚ΡŒ своих Π΄ΠΎΡ…ΠΎΠ΄ΠΎΠ² для обслуТивания ΠΈΠΏΠΎΡ‚Π΅ΠΊΠΈ ΠΈ ΠΈΡ… ΡΡ‚Π°Π±ΠΈΠ»ΡŒΠ½ΠΎΡΡ‚ΡŒΒ».

Β«Π›ΡƒΡ‡ΡˆΠ΅ ΠΆΠ΄Π°Ρ‚ΡŒ Π½Π΅ осСни, Π° ΠΊΠΎΡ€Ρ€Π΅ΠΊΡ‚ΠΈΡ€ΠΎΠ²ΠΊΠΈ ΠΏΡ€ΠΎΠ³Ρ€Π°ΠΌΠΌ Π² блиТайшиС Π΄Π²Π΅-Ρ‚Ρ€ΠΈ Π½Π΅Π΄Π΅Π»ΠΈΒ»

Π€ΠΎΡ‚ΠΎ: Shift Drive/shutterstock

АлСксСй Попов, Ρ€ΡƒΠΊΠΎΠ²ΠΎΠ΄ΠΈΡ‚Π΅Π»ΡŒ аналитичСского Ρ†Π΅Π½Ρ‚Ρ€Π° ЦИАН:

β€” Π‘Π½ΠΈΠΆΠ΅Π½ΠΈΠ΅ ΠΊΠ»ΡŽΡ‡Π΅Π²ΠΎΠΉ ставки сразу Π½Π° 1 ΠΏ.ΠΏ. ΠΏΡ€ΠΎΠΈΠ·ΠΎΡˆΠ»ΠΎ Π²ΠΏΠ΅Ρ€Π²Ρ‹Π΅ Π·Π° ΠΏΡΡ‚ΡŒ Π»Π΅Ρ‚. ΠŸΡ€ΠΈ этом Π¦Π‘ анонсировал дальнСйшСС смягчСниС ΠΊΡ€Π΅Π΄ΠΈΡ‚Π½ΠΎ-Π΄Π΅Π½Π΅ΠΆΠ½ΠΎΠΉ ΠΏΠΎΠ»ΠΈΡ‚ΠΈΠΊΠΈ (с достиТСниСм значСния 4% ΡƒΠΆΠ΅ этой осСнью). Π’Π°ΠΊΠΈΠΌ ΠΎΠ±Ρ€Π°Π·ΠΎΠΌ, ставка Π² Π±ΡƒΠ΄ΡƒΡ‰Π΅ΠΌ Ссли ΠΈ снизится, Ρ‚ΠΎ Π½Π΅ Ρ‚Π°ΠΊ сущСствСнно, ΠΊΠ°ΠΊ Π² июнС. БоотвСтствСнно, ΠΈ ставки ΠΏΠΎ ΠΈΠΏΠΎΡ‚Π΅ΠΊΠ΅ измСнятся, ΡΠΊΠΎΡ€Ρ€Π΅ΠΊΡ‚ΠΈΡ€ΡƒΡŽΡ‚ΡΡ слабСС.

Если Π΅ΡΡ‚ΡŒ ΠΏΠΎΡ‚Ρ€Π΅Π±Π½ΠΎΡΡ‚ΡŒ ΠΏΠΎΠ΄ΠΎΠΆΠ΄Π°Ρ‚ΡŒ, Ρ‚ΠΎ Π»ΡƒΡ‡ΡˆΠ΅ ΠΆΠ΄Π°Ρ‚ΡŒ Π½Π΅ осСни, Π° ΠΊΠΎΡ€Ρ€Π΅ΠΊΡ‚ΠΈΡ€ΠΎΠ²ΠΊΠΈ ΠΏΡ€ΠΎΠ³Ρ€Π°ΠΌΠΌ Π² блиТайшиС Π΄Π²Π΅-Ρ‚Ρ€ΠΈ Π½Π΅Π΄Π΅Π»ΠΈ. ΠŸΡ€ΡΠΌΠΎ сСйчас Π΅Ρ‰Π΅ Π½Π΅ всС Π±Π°Π½ΠΊΠΈ ΠΎΡ‚Ρ€Π΅Π°Π³ΠΈΡ€ΠΎΠ²Π°Π»ΠΈ Π½Π° Π½ΠΎΠ²Ρ‹ΠΉ ΡƒΡ€ΠΎΠ²Π΅Π½ΡŒ ΠΊΠ»ΡŽΡ‡Π΅Π²ΠΎΠΉ ставки.

БСйчас Π½Π° Ρ€Ρ‹Π½ΠΎΠΊ Π²Ρ‹ΡˆΠ»ΠΈ Ρ‚Π΅ ΠΏΠΎΠΊΡƒΠΏΠ°Ρ‚Π΅Π»ΠΈ, ΠΊΠΎΡ‚ΠΎΡ€Ρ‹Π΅ Π½Π΅ Π·Π°Π²Π΅Ρ€ΡˆΠΈΠ»ΠΈ сдСлку Π² Π½Π°Ρ‡Π°Π»Π΅ вСсны этого Π³ΠΎΠ΄Π° ΠΈΠ·-Π·Π° ΠΊΠ°Ρ€Π°Π½Ρ‚ΠΈΠ½Π½Ρ‹Ρ… ΠΎΠ³Ρ€Π°Π½ΠΈΡ‡Π΅Π½ΠΈΠΉ. Высокая мотивация Π½Π°Ρ‡Π°Ρ‚ΡŒ процСсс ΠΏΠΎΠΊΡƒΠΏΠΊΠΈ ΠΈΠΌΠ΅Π½Π½ΠΎ Π»Π΅Ρ‚ΠΎΠΌ ΠΌΠΎΠΆΠ΅Ρ‚ Π±Ρ‹Ρ‚ΡŒ Ρƒ Ρ‚Π΅Ρ…, ΠΊΡ‚ΠΎ опасаСтся роста заболСваСмости с восстановлСниСм ΠΎΠ³Ρ€Π°Π½ΠΈΡ‡ΠΈΡ‚Π΅Π»ΡŒΠ½Ρ‹Ρ… ΠΌΠ΅Ρ€ Π²ΠΎ Π²Ρ‚ΠΎΡ€ΠΎΠΉ ΠΏΠΎΠ»ΠΎΠ²ΠΈΠ½Π΅ Π³ΠΎΠ΄Π°.

На ΠΏΠ΅Ρ€Π²ΠΈΡ‡Π½ΠΎΠΌ Ρ€Ρ‹Π½ΠΊΠ΅ ΡΡ‚ΠΈΠΌΡƒΠ»ΠΈΡ€ΡƒΡŽΡ‰ΠΈΠΌ Ρ„Π°ΠΊΡ‚ΠΎΡ€ΠΎΠΌ ΡΠΎΠ²Π΅Ρ€ΡˆΠΈΡ‚ΡŒ сдСлку прямо сСйчас ΠΌΠΎΠΆΠ΅Ρ‚ Π±Ρ‹Ρ‚ΡŒ рост Ρ†Π΅Π½ Π½Π° новостройки (Ρ†Π΅Π½Ρ‹ Π² этом сСгмСнтС Ρ€Ρ‹Π½ΠΊΠ° Тилья ΠΏΡ€ΠΎΠ΄ΠΎΠ»ΠΆΠ°Π»ΠΈ расти ΠΈ Π²ΠΎ врСмя ΠΊΠ°Ρ€Π°Π½Ρ‚ΠΈΠ½Π°, ΠΈ Π½Π΅Ρ‚ ΠΏΡ€ΠΈΠ·Π½Π°ΠΊΠΎΠ², Ρ‡Ρ‚ΠΎ Π΄ΠΈΠ½Π°ΠΌΠΈΠΊΠ° измСнится послС сниТСния ставки), Π° Ρ‚Π°ΠΊΠΆΠ΅ сниТСниС объСма прСдлоТСния (число ΠΊΠ²Π°Ρ€Ρ‚ΠΈΡ€ Π² ΠΏΡ€ΠΎΠ΄Π°ΠΆΠ΅ остаСтся Π½Π° ΠΎΡ‡Π΅Π½ΡŒ высоких уровнях, Π½ΠΎ Π² Π½Π΅ΠΊΠΎΡ‚ΠΎΡ€Ρ‹Ρ… локациях Π½ΡƒΠΆΠ½ΠΎΠ³ΠΎ Π²Π°Ρ€ΠΈΠ°Π½Ρ‚Π° ΠΌΠΎΠΆΠ΅Ρ‚ ΠΈ Π½Π΅ Π½Π°ΠΉΡ‚ΠΈΡΡŒ)Β».

Β«Π–Π΄Π°Ρ‚ΡŒ осСни ΠΌΠΎΠΆΠ½ΠΎ, Π½ΠΎ это рискованно»

Π€ΠΎΡ‚ΠΎ: Shift Drive/shutterstock

Π”ΠΌΠΈΡ‚Ρ€ΠΈΠΉ Π’Π°Π³Π°Π½ΠΎΠ², Ρ€ΡƒΠΊΠΎΠ²ΠΎΠ΄ΠΈΡ‚Π΅Π»ΡŒ аналитичСского Ρ†Π΅Π½Ρ‚Ρ€Π° ΠΊΠΎΠΌΠΏΠ°Π½ΠΈΠΈ «Инком-ΠΠ΅Π΄Π²ΠΈΠΆΠΈΠΌΠΎΡΡ‚ΡŒΒ»:

β€” Если Π²Ρ‹ ΡΠΎΠ±Ρ€Π°Π»ΠΈΡΡŒ ΠΏΠΎΠΊΡƒΠΏΠ°Ρ‚ΡŒ ΠΊΠ²Π°Ρ€Ρ‚ΠΈΡ€Ρƒ Π² новостройкС, Ρ‚ΠΎ сСйчас ΡƒΠ΄Π°Ρ‡Π½Ρ‹ΠΉ ΠΌΠΎΠΌΠ΅Π½Ρ‚, Ρ‡Ρ‚ΠΎΠ±Ρ‹ Π²Π·ΡΡ‚ΡŒ ΠΈΠΏΠΎΡ‚Π΅ΠΊΡƒ. Π–Π΄Π°Ρ‚ΡŒ осСни ΠΌΠΎΠΆΠ½ΠΎ, Π½ΠΎ это рискованно: ΠΌΡ‹ Π½Π΅ застрахованы ΠΎΡ‚ Π²Ρ‚ΠΎΡ€ΠΎΠΉ Π²ΠΎΠ»Π½Ρ‹ эпидСмии, ввСдСния Π½ΠΎΠ²Ρ‹Ρ… ΠΎΠ³Ρ€Π°Π½ΠΈΡ‡ΠΈΡ‚Π΅Π»ΡŒΠ½Ρ‹Ρ… ΠΌΠ΅Ρ€ ΠΈ Π΄Ρ€ΡƒΠ³ΠΈΡ… Ρ„Π°ΠΊΡ‚ΠΎΡ€ΠΎΠ², ΠΊΠΎΡ‚ΠΎΡ€Ρ‹Π΅ Π΄Π΅Π»Π°ΡŽΡ‚ ΡΠΊΠΎΠ½ΠΎΠΌΠΈΡ‡Π΅ΡΠΊΡƒΡŽ Ρ€Π΅Π°Π»ΡŒΠ½ΠΎΡΡ‚ΡŒ Π² странС ΠΈ Тизнь ΠΊΠ°ΠΆΠ΄ΠΎΠ³ΠΎ Ρ‡Π΅Π»ΠΎΠ²Π΅ΠΊΠ° малопрСдсказуСмой. Расти Ρ†Π΅Π½Ρ‹ Π½Π° ТильС Π² блиТайшСС врСмя вряд ли Π±ΡƒΠ΄ΡƒΡ‚: ΠΏΠΎΠΊΠ° Π½Π° Ρ€Ρ‹Π½ΠΊΠ΅ Π½Π΅ Π½Π°Π±Π»ΡŽΠ΄Π°Π΅Ρ‚ΡΡ Π°ΠΆΠΈΠΎΡ‚Π°ΠΆΠ½Ρ‹ΠΉ спрос, Π° Π·Π½Π°Ρ‡ΠΈΡ‚, ΡƒΠ΄ΠΎΡ€ΠΎΠΆΠ°Π½ΠΈΠ΅ ΠΎΠ±ΡŠΠ΅ΠΊΡ‚ΠΎΠ² Π³Ρ€ΠΎΠ·ΠΈΡ‚ Π΄Π΅Π²Π΅Π»ΠΎΠΏΠ΅Ρ€Π°ΠΌ ΠΏΠΎΡ‚Π΅Ρ€Π΅ΠΉ ΠΈ Ρ‚Π°ΠΊ нСмногочислСнных ΠΏΠΎΠΊΡƒΠΏΠ°Ρ‚Π΅Π»Π΅ΠΉ.

Если Π²Ρ‹ Ρ€Π΅ΡˆΠΈΠ»ΠΈ ΠΊΡƒΠΏΠΈΡ‚ΡŒ ΠΊΠ²Π°Ρ€Ρ‚ΠΈΡ€Ρƒ Π² новостройкС ΠΈ Ρƒ вас Π΅ΡΡ‚ΡŒ ΡƒΠ²Π΅Ρ€Π΅Π½Π½ΠΎΡΡ‚ΡŒ Π² своСм финансовом ΠΏΠΎΠ»ΠΎΠΆΠ΅Π½ΠΈΠΈ, Ρ‚ΠΎ сСйчас ΠΌΠΎΠΆΠ½ΠΎ Ρ€Π΅Π°Π»ΠΈΠ·ΠΎΠ²Π°Ρ‚ΡŒ ΠΆΠ΅Π»Π°Π΅ΠΌΠΎΠ΅ Π½Π° ΠΎΡ‡Π΅Π½ΡŒ Π²Ρ‹Π³ΠΎΠ΄Π½Ρ‹Ρ… условиях. НСсмотря Π½Π° Ρ€Π°Π·Π³ΠΎΠ²ΠΎΡ€Ρ‹ ΠΎ Π²ΠΎΠ·ΠΌΠΎΠΆΠ½ΠΎΠΌ сниТСнии ставки, Π½ΠΈΠΊΡ‚ΠΎ Π½Π΅ ΠΌΠΎΠΆΠ΅Ρ‚ Ρ‚ΠΎΡ‡Π½ΠΎ ΡΠΊΠ°Π·Π°Ρ‚ΡŒ, ΠΊΠ°ΠΊ Π±ΡƒΠ΄Π΅Ρ‚ ΠΌΠ΅Π½ΡΡ‚ΡŒΡΡ ΠΏΠΎΠ»ΠΈΡ‚ΠΈΠΊΠ° Π²Ρ‹Π΄Π°Ρ‡ΠΈ ΠΈΠΏΠΎΡ‚Π΅Ρ‡Π½Ρ‹Ρ… ΠΊΡ€Π΅Π΄ΠΈΡ‚ΠΎΠ² Π² этом Π³ΠΎΠ΄ΡƒΒ».

Π¦Π‘ Π Π€ ΠΎΠΆΠΈΠ΄Π°Π΅Ρ‚ дальнСйшСго сниТСния ставок ΠΏΠΎ ΠΈΠΏΠΎΡ‚Π΅ΠΊΠ΅

https://realty.ria.ru/20200710/1574181846.html

Π¦Π‘ Π Π€ ΠΎΠΆΠΈΠ΄Π°Π΅Ρ‚ дальнСйшСго сниТСния ставок ΠΏΠΎ ΠΈΠΏΠΎΡ‚Π΅ΠΊΠ΅

Π‘Π°Π½ΠΊ России ΠΎΠΆΠΈΠ΄Π°Π΅Ρ‚, Ρ‡Ρ‚ΠΎ ΠΈΠΏΠΎΡ‚Π΅Ρ‡Π½Ρ‹Π΅ ставки ΠΏΡ€ΠΎΠ΄ΠΎΠ»ΠΆΠ°Ρ‚ ΡΠ½ΠΈΠΆΠ°Ρ‚ΡŒΡΡ, вмСстС с Ρ‚Π΅ΠΌ Π½Π΅ ΠΈΡΠΊΠ»ΡŽΡ‡Π°Π΅Ρ‚ сниТСния спроса со стороны насСлСния Π½Π° ΠΆΠΈΠ»ΠΈΡ‰Π½Ρ‹Π΅ Π·Π°ΠΉΠΌΡ‹ ΠΈΠ·-Π·Π°… ΠΠ΅Π΄Π²ΠΈΠΆΠΈΠΌΠΎΡΡ‚ΡŒ РИА Новости, 10.07.2020

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90000 Mortgage Rates Trends and Predictions for 2018 90001
90002 It’s a new year, with a new president in the White House, new attitudes permeating through the economic and fiscal sectors-and with all these changes comes uncertainty about home buying opportunities. 90003
90002 What will the mortgage rate trends look like in 2017, Should you sit tight and wait out a new cycle? 90003
90002 The answer depends on whom you’re asking about the mortgage rates, and why you’re thinking of making a change.90003
90002 Since October 2016 mortgage rates have jumped up by 0.75%, that’s almost a full percent in three months. Many financial industry experts believe that the average mortgage rates will trend downwards from where they are at the beginning of the new year. 90003
90002 RATE SEARCH: Shop current interest rates from mortgage lenders 90003
90012 What Goes Up Can Also Come Down 90013
90002 In a December 2016 piece in the 90015 Wall Street Journal 90016, Laura Kusisto cited a seven-year run of historically low mortgage rates that had just concluded: with the election, mortgage rates began to climb again, rising from 3.54 percent to a rate of 4.13 percent for a fixed-rate 30-year loan in mid-December (per Freddie Mac). 90003
90002 This represented the highest level since October of 2014. As recently as the end of 2016, many analysts had gone public with firm predictions that the rates would skyrocket from there. 90003
90002 However, what’s good to remember about analysts is that-like weather forecasters-they’re wrong as often as they are right. 90003
90002 In fact, despite some fevered speculations in financial and general news media, the trend seems to have stabilized and started to retreat a bit: as of February 8, bankrate.com cited average rate for a 30-year fixed mortgage was 4.04%, down 0.04 from the week before. 90003
90002 The 15-year fixed rate fell 0.01 to 3.23%, while a 30-year fixed refi rate shrank by 0.05, to 4.06%. The «winner» in this week’s drop, however, is the 30-year fixed jumbo mortgage, which shrank by a sizeable 0.39, from 4.50% to 4.11%. 90003
90002 Get Mortgage Rate Quotes 90003
90012 Fixed-Rate and Adjustable-Rate Mortgages 90013
90002 A Fixed-Rate mortgage mortgage will have the same interest rate each year of the term.Your monthly payment will never rise which makes it the safest term. 90003
90002 An adjustable-rate mortgage, such as the 5/1 ARM will have a low interest rate for the first 5 years of the mortgage loan. After the initial 5 year term has passed the mortgage rate will increase annually. This makes a fix-rate mortgage best for people who do not plan on living in the home for more than 5 years. 90003
90012 Credit Scores Affect on Mortgage Rates 90013
90002 While the mortgage rate trends up or down, the biggest factor in the rate you receive is your credit score.Your credit score is an estimate of how credit-worthy you are and how much of a risk you present to a mortgage company. 90003
90002 Having good credit is crucial to getting the best rates on your mortgage. You will want to make sure you are maximizing your credit scores. 90003
90002 Pay off your credit card balances before applying for a mortgage. Your credit card balance compared to the credit limit is your credit utilization ratio and accounts for 30% of your FICO score. Try to pay down your debt below 15% of the limit to improve your credit rating.90003
90012 90043 What Makes Mortgage Rates Trend Up and Down? 90044 90013
90002 As with most «money» figures, mortgages respond to the general economic climate. Rates rise when the economy strengthens; in turn, the economy rises on tax cuts and increased federal spending in areas that spur growth, both in terms of wages and the overall GNP. 90003
90002 Mortgage rates are most closely connected with Treasury bond yields-but these also rise in times of inflation. If inflation hits 4%, as it did in 2007, the days of a 4% mortgage rate anywhere, be it your brick-and-mortar lender or an online source, will be over.Instead, you might see rates like we saw ten years ago, when 30-year rates averaged 6.34%. 90003
90002 Just a small percentage point increase in a mortgage rate can cause your payment to rise by amounts ranging from slightly under $ 100 to several times that … which can make a huge difference in a homeowner’s ability to «move up» versus staying put. 90003
90002 It also means fewer buyers are out there for your home; low rates act as a «brake» on many people who fear they will not be able to afford a different home if percentages ascend too quickly.90003
90002 It’s ironic that the higher wages that come with economic growth are, all too often, «cancelled out» by an increase in housing costs that wipe what is a «gain» on paper. 90003
90002 So, say you’re looking to buy in 2017, either a first home or an upgrade. Can you afford to do it? 90003
90002 Once again, the answer depends on whom you ask and what your end goal is. 90003
90002 Shop current interest rates from mortgage lenders 90003
90062 90043 Crunchable Numbers 90044 90065
90002 You can face two possibilities with projected mortgage rates expected to «level off» at about 4.6% by the end of this year (per the National Association of Realtors). 90003
90002 You may have to come up with higher down payments to cut the amount you’re financing in a 30-year fixed loan; or, you may need to do some extra «homework» to find the best loan at a rate you can easily handle. 90003
90002 The good news is, as the old saying goes in sales, «you only need one.» But with the many choices out there, sometimes it’s tough to know what the best «one» is. 90003
90062 90043 For Example … 90044 90065
90002 Say you’re looking at Freddie Mac numbers, which began February at 4.19% for a 30-year fixed conventional loan. The 15-year mortgage rate is 3.40%, and the 5-year ARM comes in at 3.20%. 90003
90002 That last one’s really tempting: if you can handle the uncertainty of potential changes in your rate after 5 years, you might want to get in line NOW for them … right? Well … 90003
90002 90081 Do Take Note: 90082 90003
90084
90085 Freddie Mac rates are not available to everyone. They’re designed for «prime» borrowers, and those borrowers pay around .5 discount points at closing.You also need a sizeable down payment, and your credit needs to be excellent. Not just good … but superior. If you’ve had some «dings» on your history, or you’re rebuilding credit, odds are you do not qualify for Freddie Mac. 90086
90085 Freddie Mac rates, like so many other rates you can see everywhere, are averages. They compile data from some 100 different sources. So, while this information is useful for statistical analysis and prediction, it does not give you figures with which you can walk into your bank.90086
90085 Discount points can be a «sticking point» for many people. Many people do not mind paying even MORE points for a better rate; on the other hand, many of us prefer no closing costs at all, and those mortgages are available-just not through a Freddie Mac lender. 90086
90085 Freddie Mac’s data apply to what are called «conforming» loans and conventional mortgage rates only. In other words, if you want to finance more than the conventional 80% or so, Freddie Mac percentages will not apply anyway.90086
90093
90012 90043 Navigating Other Offerings 90044 90013
90002 Fortunately, if you’ve shopped around at all, you know more is available for the rest of us than the top-of-the-line «prime» program! Depending on your situation, you can look into FHA or USDA loans or other government-sponsored borrowing possibilities. 90003
90002 These may cost you a bit more than the «going» rate; in many cases, their rates are even lower. 90003
90002 Ellie Mae’s December Origination Insight Report (based on processing over close to 4 million applications per year), indicated that average mortgage rates came in at these levels: 90003
90062 2017 current average mortgage rates 90065
90084
90085 FHA mortgage: 4.02% 90086
90085 Conventional mortgage: 4.14% 90086
90085 VA mortgage: 3.76% 90086
90093
90002 FHA loans, a government-backed vehicle, are new-graduate friendly, so it’s no surprise that some 40 percent of first-time buyers in their twenties and thirties use them. VA loans are an «evergreen» option for home buyers, in that they offer lenient credit demands, require no down payments or mortgage insurance, and are offered to anyone who has served in the military. 90003
90002 If you’re buying in rural areas, you can look into a USDA home loan, otherwise known as the Rural Development Guaranteed Housing Loan (Section 502).Designed to assist purchasers in less dense areas of the country, in which incomes are lower than those in cities, it also requires no down payment and is available to buyers with less-than-perfect credit. 90003
90002 An added bonus: the interest rates are as good as those the VA offers, making it extremely affordable. Finally, there’s yet another new option: it’s called HomeReady 90043, 90044 β„’ and is available to those with modest incomes, requiring only 3% down. 90003
90002 The best news? Low as the rates for these programs are, they could go even LOWER in 2017.90003
90012 90043 The Bottom Line 90044 90013
90002 Right now, a loan will cost you about $ 490 monthly for every $ 100,000 you borrow. Notable EXCLUSIONS include what you’ll need to set aside in escrow for taxes and insurance, flood insurance, and PMI (private mortgage insurance), if your lender requires it. 90003
90002 But from all indicators, this is a good «baseline» to plan around: even the Mortgage Bankers Association predicts that rates may rise slightly this year, but they expect them to remain low-below 5 percent-through the end of 2018.90003
90002 If you’ve done your homework, comparison-shopped, and realistically assessed your financial situation, the answer to the question, «Can I afford to buy a home in 2017?» might well be a resounding YES. 90003
90002 RATE SEARCH: Check Current Mortgage Rates 90003
.90000 VA refinance in 2018: How to avoid the scammers 90001
90002 Beware! Scammers operating 90003
90004 Are you considering a VA refinance in 2018? Then take care. 90005
90004 Unscrupulous con artists are targeting veterans and servicemembers who want to refinance; some with VA loans have suffered real losses. 90005
90004 Read on to discover how the scams work … and how to avoid them. 90005
Verify your new rate (Jul 14th, 2020)
90002 A real issue 90003
90004 There’s a bipartisan initiative in the U.S. Senate. No, really! 90005
90004 There’s an issue so bad legislators are reaching across the aisle in an attempt to resolve it. And, in tody’s confrontational atmosphere on Capitol Hill, you know that issue must be serious. 90005
90004 90017 The complete guide to VA home loans 90018 90005
90004 It is. The proposed measure seeks to «protect veterans from targeted predatory home loan practices,» according to a Congressional website. 90005
90002 Protecting veterans 90003
90004 So, on January 11, U.S. Senators Thom Tillis (R-NC) and Elizabeth Warren (D-MA) introduced the «Protecting Veterans from Predatory Lending Act of 2018» They had the backing of 10 co-sponsors, five Republicans and five Democrats. 90005
90004 The picture below depicts the top scams against veterans, according to the VA Office of Inspector General. 90005
90004 90029 90005
90004 «Unfortunately, a few bad actors are taking advantage of the [VA home loan] program as home lenders have begun targeting veterans and servicemembers to generate profit and fees at their expense, often leading to higher loan amounts and putting families in a worse financial position than they started off, «observed Senator Tillis.90005
90004 Even the mortgage industry’s trade body is condemning the practice. When the Mortgage Banking Association testified before Congress, it backed stronger policing. 90005
90002 The scams 90003
90004 There are two main scams and both involve «churning.» That’s when lenders encourage those with VA loans to refinance when it provides no or little benefit. This is also known as «equity stripping,» because it the scammers may suck the equity out of your home, unnoticed by you because you pay nothing out-of-pocket for your refinance.90005
90004 But churning is intended to line lenders ‘pockets — at the expense of borrowers. 90005
90002 Scam 1 — The cash-out refinancing 90003
90004 When you’re short of cash, you may want to dip into some of the equity you’ve built up in your home. That process is called a cash-out refinancing. 90005
90004 Unfortunately, there are some downsides to this. It means you’re resetting the clock on your mortgage. So, if your 30-year mortgage has 25 years left to run, you’re back to facing another 30 years of payments.A refinance usually comes with lender and other third-party charges, whether you pay them out-of-pocket or not. 90005
90004 90017 How to use your cash-out refinance 90018 90005
90004 But lots of people do it. And, in the hierarchy of dumb financial moves, it’s a long way down the list. Indeed, it can often be smart. So you may perfectly sensibly undertake a VA refinance in 2018. 90005
90004 However, scammers try to get borrowers to refinance in this way repeatedly. But that keeps resetting the clock.And keeps putting fees from closing costs into lenders ‘pockets. So the lender profits at the borrower’s expense. 90005
90002 Scam 2 — The bad refinance 90003
90004 Generally speaking, it’s a good idea to refinance to a lower interest rate. Your monthly payments are lower. And your overall cost of borrowing falls. What’s not to like? 90005
90004 It depends on what you have to do to get that lower rate. Suppose that you have a $ 300,000 mortgage at a 4.25 percent interest rate that you’ve been paying for five years.Your current balance is $ 266,170, and your principal and interest payment are $ 1,476. 90005
90004 You could lower your payment to $ 1,309 by refinancing without even changing the interest rate. That’s because you’re stretching out the repayment of the remaining balance to a new term, extending your repayment by five years. An unscrupulous lender will refer to the $ 167 a month difference as «savings.» But clearly you are saving nothing — in fact, you’ll pay more. 90005
90004 Most lenders do not just offer to refinance your old loan at the same rate, however.They offer a lower rate, at a cost and are so nice that they offer to do the loan at no out-of-pocket cost to you. For instance, you might get a 3.75 percent mortgage rate, at a cost of three points (3 percent of your loan amount), plus other fees — perhaps a total of $ 10,000. Your new payment drops from $ 1,476 to $ 1,279, «saving» you nearly $ 200 a month and your new balance is $ 276,170, costing you $ 10,000 of home equity and extending your repayment by five years. 90005
90002 «Iffy» disclosures 90003
90004 Other ways to lower your interest rate include refinancing you into an adjustable rate mortgage (ARM), which usually carries a lower rate than a similar fixed loan.After the loan’s introductory period (which can be anything from one month to ten years), the rate and payment can increase. 90005
90004 That’s fine if you understand this, and especially if you plan to sell or pay off the mortgage before its rate begins resetting. The «iffiness» occurs only if the terms of this new loan are not disclosed to you. 90005
90004 The same could be said of the 15-year mortgage. Rates for these programs are lower than those of 30-year loans. They can be smart choices because you get a lower rate and pay your loan off faster.You need to know that the payment is higher and you need to be comfortable with this. 90005
90002 Broken promises 90003
90004 The U.S. Department of Veterans Affairs is just one body that is warning of these scams. On its website, it tells of some of the more common complaints and issues it’s observed. 90005
90004 These include unsolicited communications that can misleadingly appear official. Advertisements, literature and aggressive sales pitches that misleadingly offer too-good-to-be-true benefits.Some of the promises that are commonly made and subsequently broken include: 90005
90079
90080 Ultra-low interest rates (which apply only if you refinance to an ARM or a much shorter loan) 90081
90080 Unfeasibly high cash-out sums 90081
90080 Skipped mortgage payments (banned by the VA) 90081
90080 No out-of-pocket expenses (when those, in reality, are added to your mortgage balance) 90081
90080 Refunded escrow balance (Well, yeah. Maybe. But you’ll likely need to fund a new escrow account) 90081
90090
90004 It’s important to know one thing — the government does not set VA mortgage rates.The government does not require you to pay fees other than the VA funding fee. Nor does the government require you to refinance with your current lender or any lender for that matter. 90005
90002 VA streamline refinance 90003
90004 The VA streamline refinance (formally known as the Interest Rate Reduction Refinance Loan, or IRRRL) is sometimes the vehicle for these scams. And you can see why. 90005
90004 90017 What you need to know about the VA streamline refinance program 90018 90005
90004 The VA wanted to make refinancing from one VA loan to a new VA loan cheap, easy and straightforward.It eased up on many bureaucratic procedures but that may have left IRRRLs more vulnerable to abuse. 90005
90004 However, that does not mean a VA streamline refinances can not give you fantastic deals. They typically do. It just means you need to choose your lender with care and that’s easy. 90005
90002 A safe VA refinance in 2018 90003
90004 How easy? Well, you can request VA refinance quotes from multiple lenders in a matter of minutes using websites like this one. With lenders licensed in your state and approved by the VA to refinance your home loan.90005
90004 And that will allow you to compare different offers. Maybe your existing mortgage provider or a company that sent you a solicitation will turn out to be your best bet. Although, you will not know that for sure until you’ve done your comparison exercise. 90005
90002 Loan estimates and closing disclosures 90003
90004 Then, when you apply to lenders, you need to make sure the «loan estimates» (standard documents detailing your provisional deal) they send you compare with their offers.Those loan estimates should be given in good faith and lenders should not change anything without a good reason, which must be explained to you. 90005
90004 90017 How to make the most of your closing disclosures 90018 90005
90004 Later, at least three days before you close, you’ll get a «closing disclosure» that sets out all the terms of your new mortgage in an easy-to-understand format. That’s your last chance to make sure you’re getting the deal you want — and the one you were promised — without derailing your refinance.90005
90002 Double time — away 90003
90004 You still have one last chance to call the whole thing off because you only commit yourself when you sign the closing documents. 90005
90004 So, if you smell a rat, just walk away. You can always start again with some new quotes. You have only one priority: to get the best VA refinance in 2018 you can. 90005
Verify your new rate (Jul 14th, 2020)

.90000 Should you choose low mortgage rates and high processing fees, or vice versa? 90001
90002 90003 In this article: 90004 90005
90002 In general, the lowest mortgage rates come with the highest processing fees. That said, mortgage rates and costs vary widely between lenders for the same loan to the same borrower. 90005
90008
90009 «Origination» fees usually cover the lender’s costs to process, underwrite and fund your loan 90010
90009 «Discount» fees or points are extra amounts that you can choose to pay if you want a lower rate 90010
90009 «Rebates» are fees that are paid by the lender 90014 to 90015 the borrower for accepting a 90014 higher 90015 interest rate.You can use rebates to cover other closing costs 90010
90019
90002 The best combination of interest rate and fees depends on a few factors, and everyone’s «sweet spot» is probably a little different. 90005
Verify your new rate (Jul 14th, 2020)
90022 Mortgage rates: the bottom line 90023
90002 Mortgage rates are the number one issue when it comes to real estate financing. Sometimes that means processing fees are overlooked, fees that can substantially impact the real cost of mortgage loans.Why? Because different lenders make different deals. 90005
90002 90014 Related: How much do lenders make on your home loan? 90015 90005
90002 To get the best deal, you have to understand the lender’s rate sheet. There’s not just one rate. Every mortgage has combinations of points and rates. If you qualify for financing at 4.5 percent, you might also be able to get the same loan for 3.875 percent or 5.125 percent. In some cases, you might actually want the 90014 higher 90015 rate! 90005
90022 Origination fees 90023
90002 An «origination» fee is the money you pay for the lender’s services.This processing fee is usually equal to 1 percent of the mortgage amount. If you borrow $ 150,000, the typical origination fee is $ 1,500. 90005
90002 Sometimes the origination fee will be higher if the lender must do more work. 90005
90002 90014 Related: 4 ways to keep mortgage closing costs low 90015 90005
90002 This is the case with a standard FHA 203 (k) financing. This is a type of mortgage that can be used to both buy a home and then finance major improvements. Because the program is so complicated, the government allows FHA lenders to charge a «supplemental» origination fee.90005
90002 If the price of an origination fee seems high, consider that it costs a lot of money to create a mortgage. The Mortgage Bankers Association says that in the first quarter of 2018 the typical mortgage cost $ 8,957 to originate. 90005
90022 Processing fees and discounts 90023
90002 A «point» is equal to 1 percent of the mortgage amount. If you borrow $ 150,000, the cost of one point is $ 1,500. A «point» can also be called a «discount» fee and sometimes even a «rate adjustment factor.»90005
90002 While origination fees are set in stone, points are negotiable. This is VERY IMPORTANT. You can change your interest rate by paying more points or fewer points. 90005
90002 90014 Related: Taking out the garbage (dumb mortgage costs to avoid) 90015 90005
90002 The Consumer Financial Protection Bureau (CFPB) offers this example. 90005
90002 Let’s say you borrow $ 180,000. The interest rate is 5 percent with 0 points. When a loan is quoted with zero points you are seeing the «par» price.90005
90002 But instead of zero points, you’re willing to pay .375 points. That’s 3 / 8ths of a point. In the case of a $ 180,000 loan that’s an additional $ 675, you must pay at closing. Now, the lender will offer the loan at 4.875 percent in the CFPB example. Your rate has gone DOWN. 90005
90002 Working from the CFPB model, the lender’s rate sheet might show several pricing options for a $ 180,000 mortgage. 90005
90066
90009 5.375 percent means the lender will pay $ 2,025 in closing costs 90010
90009 5.25 percent means the lender will pay $ 1,350 in closing costs 90010
90009 5.125 percent means the lender will pay $ 625 in closing costs 90010
90009 5.00 percent plus 0 points equal par pricing 90010
90009 4.875 percent plus .375 points (you pay an additional $ 675) 90010
90009 4.75 percent plus .750 points (you pay an additional $ 1,350) 90010
90009 4.625 percent plus 1.125 points (you pay an additional $ 2,025) 90010
90081
90022 Choices 90023
90002 Which combination of rates and points will you choose? It depends on your needs and preferences.If cash is a problem but monthly income is strong, a higher rate might be your best choice. If you have lots of cash, buying down the rate can be a good strategy if you expect to be a long-term owner. 90005
90002 90014 Related: Explaining mortgage discount points in plain English 90015 90005
90002 To better understand your options, it’s best to run the numbers. 90005
90002 A $ 180,000 mortgage at 5 percent over 30 years has a monthly cost for principal and interest of $ 966.28. If you pay $ 675 extra at closing, the rate will fall to 4.875 percent. The monthly cost will drop to $ 952.57. You will save $ 13.71 a month. Divide $ 675 by $ 13.71 and in basic terms, you will need 50 months to recover your cost. 90005
90002 If you live in the property for more than 50 months, you’ll save money with the lower rate. 90005
90022 Rebates 90023
90002 If you look at our model rate chart, you can see that it suggests an exchange. You can pay more cash up front to get a lower-than-par mortgage rate. If you can accept a higher rate, the lender will pay you.90005
90002 A «rebate» is simply a situation in which, for a higher rate, you get a closing credit from the lender. The higher the rate, the more cash you can get to close. This can be attractive if you expect to be a short-term owner. 90005
90002 90014 Related: Negotiating a better mortgage rate for your home 90015 90005
90022 Bargaining 90023
90002 Different lenders will have different rate sheets. Lender Smith will have one set of rate discounts or rebates. Lender Jones will have another set of discounts and rebates.It pays to shop around for the best deal. 90005
90002 One approach is to determine what rate you want and get lender cost quotes based on that rate. So the lowest-costing option wins. Alternatively, you can set what you’re willing to pay and get rate quotes based on that cost. In that case, the lowest rate wins. 90005
90002 Verify your new rate (Jul 14th, 2020) 90005
.90000 2019 mortgage rates forecast from leading housing authorities 90001
90002
90003 90004 90005
90002
90003 90008 90009 Editor’s note: 90010 See our 2020 housing authorities forecast here. 90011 90005
90013 Mortgage rates forecast: Only one agency predicting sub-5% rates 90014
90003 It’s not very often that major players across an industry agree, but on this point, almost everyone does. 90005
90003 Of the six housing authorities examined, only one predicts 30-year mortgage rates below 5% for 2019.90005
90003 Five percent used to be considered an ultra-low rate. But after years of rates in the 3s and 4s, it seems pretty steep. 90005
90003 Still, affordable home payments will not be hard to find, even as we adjust to the new normal. 90005
90003 Want to grab rates before they rise? It might be a good idea to lock in a sub-5% rate while you can. 90005
Find and lock your low rate now. (Jul 14th, 2020)
90013 Averaging all major forecasts 90014
90003 Any single prediction is likely to be wrong.Market-driven outcomes are just too hard to predict. 90005
90003 The best thing to do, then, is to review all opinions and find middle ground. Here are all major predictions in one chart, and an average of them all. 90005

90031
90032
90033
90034 90009 Agency 90010 90037
90034 90009 30-Yr Rate 2019 Prediction 90010 90037
90042
90033
90034 90009 NAR 90010 90037
90034 5.3% 90037
90042
90033
90034 90009 NAHB 90010 90037
90034 5.2% 90037
90042
90033
90034 90009 MBA 90010 90037
90034 5.1% 90037
90042
90033
90034 90009 Freddie Mac 90010 90037
90034 5.1% 90037
90042
90033
90034 90009 Fannie Mae 90010 90037
90034 4.8% 90037
90042
90033
90034 90009 Realtor.com 90010 90037
90034 5.5% 90037
90042
90033
90034 90009 Average of all agencies 90010 90037
90034 90009 5.17% 90010 90037
90042
90101
90102

90013 National Association of Realtors (NAR): Expect rates around 5.3% 90014
90003 Paul Bishop, the NAR’s vice president of research, told me his group believes rates will head north next year.90005
90003 «We’re anticipating that the economy will continue to grow throughout 2019. Also, we expect that the Fed will continue to raise interest rates,» says Bishop. «While the Fed does not control mortgage rates, it’s a signal to the rest of the markets that the Federal Reserve thinks the economy is strong. The financial markets will take their cue from that. So we anticipate that rates will trend up through 2019 and into 2020. » 90005
90003 90008 Related: Mortgage rates now and loan lock recommendation 90011 90005
90003 Bishop says the NAR predicts 30-year fixed interest mortgage rates to average around 5.3 percent in 2019. 90005
90003 «The potential buyer who’s thinking if now is the right time to buy needs to do the math and determine what the impact of potential rising rates would be on their payment,» he adds. 90005
90003 Case in point: Say you have a $ 200,000 mortgage. A half-point jump-going from 5 to 5.5 percent-equates to an increase of about $ 62 a month. 90005
90003 «It’s wise for the buyer to focus on what it will cost them if rates rise, and not just focus on the rate itself,» Bishop notes.90005
90003 Given that we’re seeing a continued rise in mortgage rates and that it’s very unlikely rates will decline over the next year, «buyers should consider locking in a rate sooner rather than later,» says Bishop. 90005
90013 National Association of Home Builders (NAHB): Rates should stay above 5 percent 90014
90003 Robert Dietz, chief economist for the NAHB, told me his group is forecasting rates to average 5.2 percent in 2019, but they may rise above 5.3 percent by 2020. 90005
90003 «We expect, at a minimum, the Fed to raise the Federal Funds Rate by 75 basis points through mid-2019,» notes Dietz.»Most forecasters expect additional rate hikes beyond this. But our analysis indicates that the economy will be noticeably slowing by late 2019. » 90005
90003 90008 Related: How to deal with a 5 percent mortgage 90011 90005
90003 Dietz notes that mortgage rates track the 10-year Treasury rate. These are set to increase as the labor market tightens and the Fed seeks to keep inflation contained. 90005
90003 «Rates have increased by approximately 100 basis points over the last year. Hence, now is a good time for buyers to evaluate how large a mortgage they can afford given their household income.Buyers should also anticipate that a slowing economy could mean lower job and wage growth over the next three years, «he says. 90005
90013 Mortgage Bankers Association (MBA): Rates at 5.1 percent through 2021 90014
90003 The MBA foresees 2019 mortgage rates averaging 5.1 percent. 90005
90003 MBA’s chief economist Mike Fratantoni and associate vice president of economic and industry forecasting Joel Kan recently said in a recent forecast commentary: «While the Federal Reserve is expected to increase short-term rates further, 30-year mortgage rates should rise only modestly from here, averaging 5.1 percent for 2019 through 2021. We expect that the Fed will raise rates three times in 2019 and hold the fed funds rate at just over 3 percent. » 90005
90003 They further expected housing demand to remain at a healthy level; this will lead to a boost in purchase originations. They attributed this to a continued low unemployment rate, which they expect to decrease to 3.5 percent by late 2019. 90005
90003 «Economic growth is expected to continue its strong showing into 2019 … We forecast 2.3 percent growth in 2019.This growth will help support the job market and wage growth, which is an important factor for housing, «they said. 90005
Start your mortgage rate shopping here. (Jul 14th, 2020)
90013 Freddie Mac: Prepare for rates around 5.1 percent 90014
90003 Freddie Mac has a similar forecast to the MBA. They also believe the 30-year fixed mortgage rate will average 5.1 percent next year. 90005
90003 In its October Forecast, Freddie Mac stated: «We expect mortgage rates to continue to gradually inch higher.We anticipate that the 30-year fixed-rate mortgage will average 4.5 percent in 2018, rising to 5.1 percent in 2019 and 5.6 percent in 2020. » 90005
90003 In commenting on its October Forecast, Sam Khater, Freddie Mac’s chief economist, said: «While we expect the weakness in housing activity to extend the next few months as the market absorbs the recent uptick in mortgage rates, the combination of strong economic growth and millennials moving toward homeownership should help home sales regain momentum and rise modestly in 2019.»90005
90013 Fannie Mae: Expect a modest increase-4.8 percent 90014
90003 Fannie Mae has slightly better news for borrowers. In its October 2019 Housing Forecast, the group predicted 30-year fixed-rate mortgage rates to average 4.8 percent. 90005
90003 «Economic conditions remain supportive of additional rate hikes in 2018 and 2019, as the labor market has tightened and inflation continues to hover just above the Fed’s 2-percent target,» stated Fannie Mae Chief Economist Doug Duncan in that forecast.90005
90003 Duncan added: «Our expectations for housing have become more pessimistic: Rising interest rates and declining housing sentiment from both consumers and lenders led us to lower our home sales forecast over the duration of 2018 and through 2019. Meanwhile, affordability, especially for first -time homebuyers, remains atop the list of challenges facing the housing market. » 90005
90013 Kiplinger: Brace yourself for a 5.3 percent rate 90014
90003 Another esteemed industry expert on rates is Kiplinger.In its most recent economic forecast, the publisher cautioned that rates will likely increase next year. Kiplinger staff economist David Payne wrote that the 30-year fixed-rate mortgage will probably rise to 5.3 percent in 2019. 90005
90003 «Long-term interest rates have dropped a bit as some equity investors retreat to the bond market, which usually happens during stock market corrections. However, once the correction is over, long rates should head up again, «wrote Payne. «The Federal Reserve’s rate hike program will put upward pressure on long rates well into next year.»90005

90003 Realtor.com is not bullish on mortgage rates. 90005
90003 In fact, it has the highest mortgage rate prediction of any major housing authority. 90005
90003 While it predicts a 30-year fixed-rate average of 5.3%, they say to expect a 5.5% rate by the end of 2019. 90005
90003 «As the economy continues to prove resilient, mortgage rates are expected to continue their upward march,» said Danielle Hale, chief economist with Realtor.com, in a recent interview. 90005
90013 Should you buy or refinance now? 90014
90003 With all the talk of higher rates, consumers might be wise to grab sub-5% rates if they are available.90005
90003 Mortgage rates are still holding low (at the time of this writing), so the proverbial window is still open. 90005
90003 Start your mortgage shopping process before rates rise. 90005
Verify your new rate (Jul 14th, 2020)
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