Akasin haka a bara pandemic na bara ya zama mai nasara sosai ga kasuwar jinginar gida, wanda ya kafa bayanan da yawa a lokaci guda, ya biyo baya daga ƙididdigar banki na tsakiya. Domin shekara, Russia sun zira kwallaye miliyan 1.7 da misalai miliyan 4.3 da kusan rubles da tiriliyan 43. Rikodin da ya gabata na 2018 - kawai sama da robles 3.
An kunna masu karbar bashi a ƙarshen shekara, sun bayar a watan Disamba 212,500 a watan Disamba 2160 na dala biliyan 560.
A sakamakon haka, jigon jingin bankunan da farkon 2021 ya kai 9.07 tiriliyan rubles. Rage rancen bashin jingina sakamakon ci gaban fayil fayil: Daga 0.97 zuwa 0.85% a Janairu na wannan shekara.
Dalilin farin ciki ya zama gagarumin digo a cikin ragin jinginar gida bayan mahimmin bankin tsakiya na (ya ragu a shekara a maki 2 na maki. Har zuwa 4.25%). Don haka, matsakaita matsakaita da aka bayar yayin watan Mortgnage ya fadi daga 9 zuwa 7.36%. A wannan shekarar, farashin ya sabunta mafi ƙarancin ɗan lokaci sau da yawa, kai ga ƙasa a watan Agusta - 7.10%, amma a cikin bazara ta yi kiwo.
Bugu da kari, ana bukatar bukatar rance na gida da aka mai da shi ta hanyar shirin warware matsalar jingina a bara a karkashin 6.5%. Dangane da ma'aikatar shirin, Dom.rf, a bara bankunan da suka fitar da lamuni 345,600, wannan shine, kusan kowane lamuni na biyar, an bayar, kusan kowane lamuni na biyar, wanda aka bayar a matsayin aro na Fila.
Shirin farkon jingina ya tallafawa jinginar gida, amma babban gudummawa ga mahimmancin sakandare, ciki har da sake fasalin da aka bayar a baya, ya nace da darakta dare don banki RATINGS "Kwararre RA" Catherine Schurichina. Sanarwar tanadi ma ya shafa: Ya yi imani: rikicin da ke faruwa a cikin tattalin arzikin musanya, fadakarwa ta hanyar musayar kudi ta hanyar neman ƙarin amintattun kudaden.
An ƙaddamar da shirin jingina a cikin watan Afrilu 2020 don tallafawa masu haɓaka a cikin rikicin. A karkashin yanayin da, yawan adadin jinginar gida ba zai iya wuce 6.5% a shekara ba (kashi dari da yawa ne ta hanyar bankunan da ke biyan jihar). Matsakaicin adadin lamuni na Moscow, St. Petersburg da yankunansu shine Miliyan miliyan 12, don sauran yankuna na farko shine 15%. Da farko, ya kamata a kammala shirin a ranar 1 ga Nuwamba, amma an ƙaru har zuwa ranar 1 ga Yuli na wannan shekara. Kuma makon da ya gabata "interfax" tare da tunani game da hanyoyin da aka ba da rahoton cewa jami'an sun tattauna batun sake fasalin shirin - har zuwa karshen 2021, amma tare da gyare-gyare. Misali, ana iya fadada shi a wasu yankuna, inda aikin gida ne ke bunkasa m, in ji shi a kan shugaban kwamitin jihar Duma a kan kasuwar kudi na Anatoly Aksakov.
Rikodin farashin
Duk da haka, banki na tsakiya ya jawo hankalin "sakamakon da ba'a so" na jinginar gidaje a cikin bita "a kan ci gaban bangar banki". Da farko dai, yana tashi a kan farashin gidaje, wanda ya ci gaba sosai daga ƙananan ragi. A cewar bankin tsakiya, farashin haye na bara ya tashi da kashi 15,6%. Bugu da kari, banks ya fara ba da ƙarin lamunin gidaje (kasa da 20% na farashin gidaje) ta hanyar gudummawar farko: yana da yawa na bayarwa na uku na 2020 a karo na biyu. A kasuwa na farko, inda ake amfani da shirin da aka fi so, da rabon irin wannan lamuni ya girma sosai: har zuwa 40% daga 24% daga 24% daga 24% daga 24%. An bayar da ingantaccen jinginar da aka bayar ga mutanen da suke da babban bashin da suke da ci gaban ci gaban na yanzu, da kuma kiyaye farashin gidaje, na iya haifar da farashin gidaje, na iya haifar da farashin gidaje, na iya haifar da farashin Taro na hadarin, ya lura da darektan Sashen Tallafin Banki na Babban Alexander Danilov.
Koyaya, a cewar watanni tara na 2020, ci gaba da kasancewa cikin fa'ida ga mai ba da bashi cikin sharuddan da ke cikin ragi a cikin biyan kuɗi da kuma bayanan Schurichina. Dangane da shi, an kiyasta shi a matsakaicin matsakaicin matsakaiciyar na yanzu a kasuwa, lokaci da kuma gudummawar farko na murabba'in da aka fi dacewa zai zo ba a sama da murabba'in murabba'in 81,000-82,000. (Yanzu, a cewar Rosstat, wannan shine kawai sama da 76,000 rubles. Don mita 1 a cikin kasuwa). Tare da waɗannan dabi'u, girman biyan kowane wata a cikin rage yawan kuɗi kusan daidai yake da biyan kafin rage farashin da farashi mai aiki yana ƙaruwa.
Amma raguwa a cikin farashin, har ma ba tare da fa'idodi ba, yana da mahimmanci cewa a kowane yanayi na ci gaba da keɓantaccen tsarin cibiyoyin hada-hadar kudi ACRE Valery Hotes.
"Ba mu ga canji mai mahimmanci ba a matsakaicin matsakaicin Biyan Kasuwanci Elena Nazareko. Ingancin lamuni, a cewar ta, a kai a kai.
Kara - da wuya fiye da haka
Akwai damar da jinginar gida zai zama Chef a wannan shekara, kadan, masana sunyi baki daya. Yin la'akari da hanzari na hauhawar farashin kaya a farkon shekarar, filaye don ƙarin raguwa a cikin maɓallin kuma, a sakamakon haka, babu farashin jingina.
Idan shirin fifiko za a kammala shi 1 ga watan Yuli, a cikin rabi na biyu na shekara, yana yiwuwa a tsammanin wani ci gaba da matsakaicin kasuwar da ake da shi, ya yarda da Schurichina. Mataki na yiwuwar ragin jinginar gida a farkon rabin shekarar shine 7-7%, a karo na biyu - 7.5-8%, yace.
Tatyana Ushkov, farashin "Bankin Absolut". Amma tunda ƙimar maɓalli yana kan rikodin ƙasa, kasuwa da sakandiya za ta ci gaba da girma - ya yi imani da 5-10%, ya yi imani. Na kuma jira nazareko kuma yana jiran kwanciyar hankali tare da karamin motsi ƙasa ko sama dangane da kasuwar kasuwa.
Hype a cikin kasuwar jinginar gida da kuma miƙa mulki ga tallafin kudaden da suka fifita ci gaba da haifar da karuwa cikin asusun ESCro a bara. A cewar banki na tsakiya, na shekara sun tashi daga 137 biliyan zuwa tiriliyan 1.2.
Schurichina ya yi imanin cewa ci gaban kasuwa zai zama mafi kwayar halitta: wani ɓangare na masu karbar bashi, yayin da yake cikin yanayin samun kudin shiga na duniya zuwa kasuwa da ke cikin kasuwa da ke cikin kasuwa. A ci gaba da fadada jinginar jingina na iya haifar da rashin daidaituwa a kasuwa kuma yana jure shi, ya ji, kamar yadda zai iya jawo hankalin masu karfin karfinsu don bayar da damar karfin karfin da zasu samu damar kiyaye irin wannan kyakkyawan lokacin jingina. Saboda haka, yayin da ci gaban shirin, ya kawo hankali a sake fasalin yanayin ta, misali, don ƙara yawan kuɗin farko, Shchurichina ya yi jayayya da.