The real estate expert appreciated the proposal to introduce a stroysberkass mechanism

The proposal to introduce a mechanism for building savings banks for the purchase of housing is not new, a similar practice existed back in the Soviet Union. Alexander Vodolazov, head of the Ministry of Real Estate agency, told Izvestia about this on October 2.

Earlier in the day, Sergei Mironov, chairman of the Fair Russia — For Truth party, told TASS that the stroysberkass mechanism could become an alternative to mortgage loans. According to him, this is a special credit institution where people can accumulate funds for housing, while the state will give bonuses to savings.

"It implies, apparently, some kind of cooperative mechanism. Perhaps from Soviet practice, or perhaps from the world, when there is an organization that, on a non-profit basis, unites citizens' capital to build real estate and houses, then distributing shares. In principle, we had such a practice in the Soviet Union," the Divers appreciated the proposal.

At the same time, he noted that so far no structure of such an initiative has been outlined.

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The activity of buyers can provoke a rise in the price of used apartments

On September 14, the former Finance Minister of the Russian Federation, economist Mikhail Zadornov, said that market mortgages are meaningless at current rates. According to Zadornov, at the moment, Russians should apply for a market mortgage only with the expectation of refinancing as the key interest rate decreases. Concessional loans will remain profitable, the former Finance minister noted.

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