Austria REAL ESTATE MORTGAGE LOANS BANKS
“Rajffajzenbank Austria” has offered new conditions on the mortgage

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Ðàéôôàéçåíáàíê declared changes in the program of hypothecary crediting which have come into force from the beginning of current week.

Among new offers – the credit without an initial payment on real estate purchase that became an unprecedented measure for “daughter” of foreign bank in Russia. Thus the program is not pilot – changes in it are simultaneously entered in Moscow, St.-Petersburg and more seven cities-millionnikah. While obtain such credit clients of agencies of the real estate-partners of Rajffajzenbanka can only.

With introduction âûñîêîðèñêîâàííîãî a hypothecary product in Rajffajzenbanke expect if not to catch up with leaders then to save available rates of increase of hypothecary credits. “We live and we work in the market and we should consider changes occurring on him”, – trustee Rajffajzenbanka has explained the Novel of Sparrows. As he said, in the conditions of a rise in prices in the Moscow market of the real estate accumulation of 20-30 thousand dollars necessary for an initial payment for families with an average prosperity already becomes a problem.

The Russian players who have introduced the brave program of the mortgage, are quite satisfied by rates of increase of hypothecary credits. Experts consider that the conservative policy of an estimation of credit status of borrowers does not allow foreigners to compete to the Russian banks.

Nevertheless experts warn about negative consequences of a risky policy. Decrease in quality of borrowers increases credit risks. For this reason colleagues from other foreign “daughters” do not hasten to follow an example of Rajffajzenbanka.