По данным АИЖК, к концу 2010 года в России был просрочен каждый десятый ипотечный кредит. При этом до кризиса ситуация с платежами по ипотеке была совершенно другой. Просрочка по ней не превышала 1%. Об этом заявила руководитель аналитического центра АИЖК Анна Любимцева, сообщают сегодня «Ведомости». При этом через процедуру реструктуризации прошел каждый седьмой кредит. Так, по словам гендиректора Агентства по реструктуризации ипотечных жилищных кредитов Андрея Языкова, в 2009-2010 годах в агентство поступило 63,4 тыс. обращений за консультацией, а. 45 тыс. заемщиков в итоге реструктурировали кредиты. Почти пятая часть сделали это с помощью агентства, остальные договорились с банками-кредиторами. Андрей Языков отмечает, что большая часть обращений за реструктуризацией поступила от заемщиков, взявших кредиты в 2006-2007 годах (по данным Росреестра, в этот период было выдано около 328 тыс. ипотечных закладных). На рост просрочки по ипотеке в кризис повлияло несколько причин, говорит член правления Райффайзенбанка Андрей Степаненко. Значительная часть кредитов привлекалась в валюте, бизнесмены привлекали кредиты под залог квартир, часть средств привлекалась по плавающим ставкам, завязанным на ставки денежного рынка. В кризис рубль упал на 30%, бизнес встал, а ставки подскочили втрое. Поэтому так много кредитов нуждались в реструктуризации. После кризиса валютной ипотеки и нецелевых кредитов под залог недвижимости выдается в разы меньше, отмечает эксперт. Просрочка по-прежнему остается на высоком уровне, потому что после кризиса доходы людей растут медленно, а накопления были потрачены, объясняет Анна Любимцева. К тому же если кредит хоть раз был просрочен, вернуться в график тяжело. А некоторым заемщикам кредит так и не был реструктурирован, поэтому эти люди обслуживают задолженность, насколько им позволяют возможности, отмечает Андрей Языков. Тем не менее, он считает успешными итоги программы реструктуризации. К концу 2010 года более половины заемщиков, которые прошли через его агентство, перестали нуждаться в поддержке агентства, восстановив свою платежеспособность, а 3% досрочно погасили кредиты. «Мы ожидали, что повторных дефолтов будет больше», — говорит эксперт.
{"ID":"414467","~ID":"414467","TAGS":"ипотека, россия, АИЖК, кредит, реструктуризация","~TAGS":"ипотека, россия, АИЖК, кредит, реструктуризация","NAME":"В России просрочен каждый 10-й ипотечный кредит","~NAME":"В России просрочен каждый 10-й ипотечный кредит","IBLOCK_ID":"54","~IBLOCK_ID":"54","IBLOCK_SECTION_ID":"424","~IBLOCK_SECTION_ID":"424","DETAIL_TEXT":" \r\n\u003Cdiv align=\u0022justify\u0022\u003E\u003Cspan class=\u0022kobl-text-content\u0022\u003EПо данным АИЖК, к концу 2010 года в России был просрочен каждый десятый ипотечный кредит. При этом до кризиса ситуация с платежами по ипотеке была совершенно другой. Просрочка по ней не превышала 1%. Об этом заявила руководитель аналитического центра АИЖК Анна Любимцева, сообщают сегодня \u0026laquo;\u003Ca href=\u0022http:\/\/www.vedomosti.ru\/newspaper\/article\/254512\/ipoteka_ne_dlya_vseh\u0022 \u003EВедомости\u003C\/a\u003E\u0026raquo;.\u003C\/span\u003E \r\n \u003Cbr \/\u003E\r\n \u003Cspan class=\u0022kobl-text-content\u0022\u003EПри этом через процедуру реструктуризации прошел каждый седьмой кредит. Так, по словам гендиректора Агентства по реструктуризации ипотечных жилищных кредитов Андрея Языкова, в 2009-2010 годах в агентство поступило 63,4 тыс. обращений за консультацией, а. 45 тыс. заемщиков в итоге реструктурировали кредиты. Почти пятая часть сделали это с помощью агентства, остальные договорились с банками-кредиторами. Андрей Языков отмечает, что большая часть обращений за реструктуризацией поступила от заемщиков, взявших кредиты в 2006-2007 годах (по данным Росреестра, в этот период было выдано около 328 тыс. ипотечных закладных). \u003C\/span\u003E \r\n \u003Cbr \/\u003E\r\n \u003Cspan class=\u0022kobl-text-content\u0022\u003EНа рост просрочки по ипотеке в кризис повлияло несколько причин, говорит член правления Райффайзенбанка Андрей Степаненко. Значительная часть кредитов привлекалась в валюте, бизнесмены привлекали кредиты под залог квартир, часть средств привлекалась по плавающим ставкам, завязанным на ставки денежного рынка. В кризис рубль упал на 30%, бизнес встал, а ставки подскочили втрое. Поэтому так много кредитов нуждались в реструктуризации. После кризиса валютной ипотеки и нецелевых кредитов под залог недвижимости выдается в разы меньше, отмечает эксперт.\u003C\/span\u003E \r\n \u003Cbr \/\u003E\r\n \u003Cspan class=\u0022kobl-text-content\u0022\u003EПросрочка по-прежнему остается на высоком уровне, потому что после кризиса доходы людей растут медленно, а накопления были потрачены, объясняет Анна Любимцева. К тому же если кредит хоть раз был просрочен, вернуться в график тяжело. А некоторым заемщикам кредит так и не был реструктурирован, поэтому эти люди обслуживают задолженность, насколько им позволяют возможности, отмечает Андрей Языков.\u003C\/span\u003E \r\n \u003Cbr \/\u003E\r\n \u003Cspan class=\u0022kobl-text-content\u0022\u003EТем не менее, он считает успешными итоги программы реструктуризации. К концу 2010 года более половины заемщиков, которые прошли через его агентство, перестали нуждаться в поддержке агентства, восстановив свою платежеспособность, а 3% досрочно погасили кредиты. \u0026laquo;Мы ожидали, что повторных дефолтов будет больше\u0026raquo;, \u0026mdash; говорит эксперт.\u003C\/span\u003E\u003C\/div\u003E\r\n ","~DETAIL_TEXT":" \r\n\u003Cdiv align=\u0022justify\u0022\u003E\u003Cspan class=\u0022kobl-text-content\u0022\u003EПо данным АИЖК, к концу 2010 года в России был просрочен каждый десятый ипотечный кредит. При этом до кризиса ситуация с платежами по ипотеке была совершенно другой. Просрочка по ней не превышала 1%. Об этом заявила руководитель аналитического центра АИЖК Анна Любимцева, сообщают сегодня \u0026laquo;\u003Ca href=\u0022http:\/\/www.vedomosti.ru\/newspaper\/article\/254512\/ipoteka_ne_dlya_vseh\u0022 \u003EВедомости\u003C\/a\u003E\u0026raquo;.\u003C\/span\u003E \r\n \u003Cbr \/\u003E\r\n \u003Cspan class=\u0022kobl-text-content\u0022\u003EПри этом через процедуру реструктуризации прошел каждый седьмой кредит. Так, по словам гендиректора Агентства по реструктуризации ипотечных жилищных кредитов Андрея Языкова, в 2009-2010 годах в агентство поступило 63,4 тыс. обращений за консультацией, а. 45 тыс. заемщиков в итоге реструктурировали кредиты. Почти пятая часть сделали это с помощью агентства, остальные договорились с банками-кредиторами. Андрей Языков отмечает, что большая часть обращений за реструктуризацией поступила от заемщиков, взявших кредиты в 2006-2007 годах (по данным Росреестра, в этот период было выдано около 328 тыс. ипотечных закладных). \u003C\/span\u003E \r\n \u003Cbr \/\u003E\r\n \u003Cspan class=\u0022kobl-text-content\u0022\u003EНа рост просрочки по ипотеке в кризис повлияло несколько причин, говорит член правления Райффайзенбанка Андрей Степаненко. Значительная часть кредитов привлекалась в валюте, бизнесмены привлекали кредиты под залог квартир, часть средств привлекалась по плавающим ставкам, завязанным на ставки денежного рынка. В кризис рубль упал на 30%, бизнес встал, а ставки подскочили втрое. Поэтому так много кредитов нуждались в реструктуризации. 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