26

Re: absolutely rolled down

Hello, HoseCo, you wrote: HC> I correctly understand, what you considers a mortgage under 11 % normal? I on 9 took recently - at what not on apartment in Moscow, and on "a small house in village" in a province (about 10 years ago it generally was unreal for ) is already quite reasonable rates. There are variants and less, on  a new system to 7,4 at .

27

Re: absolutely rolled down

Hello, Kaifa, you wrote: S>> But  even if to admit point 3 in point 1 exchanges nothing - at Navalnom also nobody gives them a mortgage... K>  too rolled down to level . Though there was time when he on business spoke. It is indisputable. Well is not present, here it simply looked through this obvious  Navalnogo. Well and Shary all the same recognizes the errors.

28

Re: absolutely rolled down

Hello, rg45, you wrote: R> Yes in an any way. All who is not pleasant to you, someone feeds up. For all I will not tell, but  it is very similar.

29

Re: absolutely rolled down

Hello, TimurSPB, you wrote: TSP> Like as it cannot be more low "the key rate" 8.25 %. Just lowered to 7.75 %. Such low rates as now in Russia never was also they will be and to decrease searches for other subject for  further so Navalnyj start up

30

Re: absolutely rolled down

Hello, Evgeniy Skvortsov, you wrote: ES> There it is told that at them 40 to payment under the current credit. ES> it means that they  about 1,5 M of roubles, on the average for 5 years. ES> that is somewhere already crashed ones and a half . ES> the Question where? And the brain is? So they say that took credits to close other credits. So, there were both delays, and fines, and banks were more and more garbage with the increasing percent. ES> pay for a hut of 33 pieces. ES> if to take a mortgage on 5  for 20 years, payment will be approximately 32.5 To in a month. In a roller it already counted 43 in a month. That as though and not strongly is more expensive than payment for apartment - but at them and this money is not present, parents help them. ES> that is they take quiet can a mortgage now, the main thing to save up approximately 1,5  for the first payment. Then it is possible to extinguish ahead of schedule a part of a debt at the expense of the parent capital and still to reduce the size of payment., after cancellation 450 payment becomes approximately 28. There is nothing it to save, here their main problem. Well and credits they should extinguish urgently. ES> at me the impression was added that children live it is too expensive. And in that case who it is guilty? Or Lyosha comes also it will pay all ? Yes, Lyosha wants to do it for the budget account. In which the amount of money as he wants to reduce taxes ES> Then sharply falls, mother can soon hand over children in a kindergarten and go to work, and the situation with money is normalized. Well it would be quite good, yes. ES> I do not see an occasion to ache. ES> at me approximately the same situation now, I earn one on all family, truth at us the hut. And the credit of all on 200. But parents do not help me, on the contrary I swear every month I help financially. At the wife generally anybody is not present. ES> Money suffices is direct end-to-end, but the spouse soon comes to work also all will be apprx. And at me does not quit ES> And Navalnyj is simple , it is clear for a long time already. And the further, the more noticeable.

31

Re: absolutely rolled down

Hello, TimurSPB, you wrote: TSP> Like as it cannot be more low "the key rate" 8.25 %. It is possible to lower the key rate or to subsidize a mortgage. TSP> inflation about 3 %, high risks of bank from for that that the credit in roubles. Purely intuitively, like as well as the normal rate. Intuitively it is clear that at inflation of 3 % to pay 11 % it is one more tax to life in Russia equal 8 % and it intuitively does not see normal. TSP> and what rate would be valid? For percent above inflation.

32

Re: absolutely rolled down

Hello, gBopHuk, you wrote: BH> Putin at press conference again could not say a surname of Navalnogo Faugh, nasty thing. Here an explanation: Putin in the political plan is in this country out of competition if he says a name of Navalnogo, it gives it a part of the popularity. Dmitry Peskov. At the heart of all these prohibitions lies as though some kind of the theory as if prohibitions are necessary because the dangerous force transferred at a tangency to object charged by it almost as an infection is peculiar to some persons and things... This force is peculiar to all persons representing something exceptional, somehow: to kings, priests... But the present sources of a taboo lie more deeply, than in interests of exclusive classes: "they arise there where the most primitive and at the same time most durable human tendencies originate, - from fear before action of demonic forces". Zigmund Freud. "Totem and a taboo. Psychology of primitive culture and religion"

33

Re: absolutely rolled down

Hello, gBopHuk, you wrote: BH> In current realities more than. In what current realities? BH> by the way, at me a mortgage  14.75 %, took 4 years ago. Now rates already 9-11 %. In how many time the income of your household above the income of an average household in Russia?

34

Re: absolutely rolled down

Hello, HoseCo, you wrote: HC> Hello, sambl4, you wrote: HC> I correctly understand, what you considers a mortgage under 11 % normal? Well it is expensively finite, nobody argues. But all is defined not by one percent, and income level, habitation cost. The main thing that payment was elevating.  by the way under 9 % the people take a mortgage, if . Well and besides, about an initiating payment and  - I took apartment about 5 % an initiating payment, in one and a half month fell  and put out third more mortgages - yes, cheap here in Chelyabinsk apartments.

35

Re: absolutely rolled down

Hello, HoseCo, you wrote: HC> Hello, gBopHuk, you wrote: BH>> In current realities more than. HC> in what current realities? With current level of average inflation for the term of a mortgage and the refinancing rate. BH>> by the way, at me a mortgage  14.75 %, took 4 years ago. Now rates already 9-11 %. HC> In how many time the income of your household above the income of an average household in Russia? Approximately time in 4 above, as well as the apartment price.

36

Re: absolutely rolled down

Hello, AlexRK, you wrote: ARK> Hello, gBopHuk, you wrote: ARK> Here an explanation: ARK> Putin in the political plan is in this country out of competition if he says a name of Navalnogo, it gives it a part of the popularity. ARK> Dmitry Peskov. It is right. I with surprise for myself found out that a part of my friends do not know who such Navalnyj. Though speech about St.-Petersburg. If Putin says his name - people start to be interested in it, get under influence of its populism. What for to Putin thus  time to advertize Alexey?

37

Re: absolutely rolled down

Hello, HoseCo, you wrote: TSP>> Inflation about 3 %, high risks of bank from for that that the credit in roubles. Purely intuitively, like as well as the normal rate. HC> intuitively it is clear that at inflation of 3 % to pay 11 % it is one more tax to life in Russia equal 8 % and it intuitively does not see normal. 3 % are it by the current moment. Intuitively it is clear that banks should take into consideration sredne-annual value of inflation under the forecast for long term (mortgage period), with statistics registration for previous years. If to consider still the bank commission approximately 9-11 % and turn out. Here on the schedule red level finished: TSP>> And what rate would be valid? HC> for percent above inflation. It such also is.

38

Re: absolutely rolled down

HC> I correctly understand, what you considers a mortgage under 11 % normal? 1. Average already less than 10 if to me does not change my sclerosis. Truth 7,4 in Sbere is under  new systems. But under 9 % in  on operation the acquaintance took. 2. The refinancing rate lowered today on 0,5 %. So the mortgage can decrease still. And so - depends from. I on the first apartment took in 2006 under 16 % annual and then it was normal. But anything - settled up, sold and bought more in a mortgage already under more humane at that point in time the rate.

39

Re: absolutely rolled down

Hello, HoseCo, you wrote: TSP>> And what rate would be valid? HC> for percent above inflation. What inflation? Which now? Or which will be in 5 years? Or  15? You not for a year take a mortgage? And what it will be in 5-10 years? . It is unique that is possible is to look on 5-10 years ago and to take something an average for this period is as a reference point of a possible situation the next years. And , there at all 3 % turns out. Generally the rate of a mortgage and so in the country it is constant, gradually falls. And what for to interfere with this process not so clearly. At first, it is necessary or rather  money from the budget to pour in, or forcedly to command to banks to give a mortgage to the detriment of itself that is even worse. Secondly, each reduction of the rate on a mortgage leads to a rise in prices for apartments. Yes, and generally support  at state-level too is, the dosed image. Everyones , different programs of privileged rates for young families and similar. I, if that, with a mortgage already under 8 years live. Bought with the wife through it , then sold, added a new mortgage, bought 3, then I hope still we will be. The current mortgage is cheaper than the first, and on which it is possible to take current rates now - below on what we pay.

40

Re: absolutely rolled down

Hello, Sammo, you wrote: S> 1. Average already less than 10 if to me does not change my sclerosis. Truth 7,4 in Sbere is under  new systems. But under 9 % in  on operation the acquaintance took. The niece under 9,5 % in  took several months ago.

41

Re: absolutely rolled down

Hello, sambl4, you wrote: S> It is possible not to look, but it is how much necessary to consider the spectators as morons (I about Navalnogo if ) - well or most to be such, that: Also that here such unreal, if in Lithuania a mortgage of 2 % and the minimum salary of 25 thousand. Why Lithuania can, and Russia is not present? Who here the moron, still is not known. Certainly, populism in these rollers is, but even if Navalnyj lays out the economic dissertation with Nobelevkoj, it here will as characterize. The oligarchy now corrects, and anybody does not resist to it generally. At it privileged circuits with an offshore, low salaries at workers. Also there is no pressure to beat out from them social privileges. There is no control over budget expending. The present power is not going to lift these questions, because it and personifies this oligarchy. And on posts local "" it in Lithuania oligarchs  and to it does not suffice Putin's protection. Though there already achieved results, in which Russians cannot check at all.

42

Re: absolutely rolled down

S> Well is not present, here it simply looked through this obvious  Navalnogo. Well and Shary all the same recognizes the errors. Yes  it is constant , about it questions are not present, though I do not track its "creativity". But the direction   (not in sense of lies, and literally this word) is explicitly tracked.

43

Re: absolutely rolled down

Hello, AlexRK, you wrote: K>>  too rolled down to level . Though there was time when he on business spoke. It is indisputable. ARK> this bearded  someone in an any way feeds up close to the current power. And at what here the person of the Ball? It where that told lies or distorted?

44

Re: absolutely rolled down

Hello, Evgeniy Skvortsov, you wrote: ES> 50 rivers Such manual mother receives the Birth grant on the child after 1.5 years, After 3 years. They knowingly there two times in a roller specify that 50 roubles are to the senior. ES> to this age less decent manual which on the average is paid well more equals to half  on the last place of operation. So it also is paid on the low. Simply in a roller it to mention inconveniently.

45

Re: absolutely rolled down

Hello, HoseCo, you wrote: HC> I correctly understand, what you considers a mortgage under 11 % normal? Looking with what to compare. And both my banks offer a mortgage more cheaply. One 9.5, another 9.7.

46

Re: absolutely rolled down

Hello, dmitritch, you wrote: D> Just lowered to 7.75 %. Such low rates as now in Russia never was the Key rate in September 2013 there were 5 %.

47

Re: absolutely rolled down

Hello, sambl4, you wrote: S> Well it is expensively finite, nobody argues. But all is defined not by one percent, and income level, habitation cost. And after that it is necessary to recall that the habitation market . It means that at any rate on a mortgage the price will be exactly such that those who now can could buy apartment. The real estate market reacts to lowering of rates compensating rise in prices.

48

Re: absolutely rolled down

Hello, Night Looking, you wrote: NANOSECOND> After 3 years. They knowingly there two times in a roller specify that 50 roubles are to the senior. You confuse something, after 3 generally is paid nothing, and here with 1.5 to 3, those 50 rivers the Maternity leave a maximum for 3 years after which it is necessary either to come to work, or to leave.

49

Re: absolutely rolled down

Hello, CutePredictor, you wrote: CP> Also that here such unreal, if in Lithuania a mortgage of 2 % in euro.

50

Re: absolutely rolled down

Hello, Evgeniy Skvortsov, you wrote: ES> You confuse something, after 3 generally is paid nothing, and here with 1.5 to 3, those 50 rivers In  are paid strongly more till 3 years. ES> a maternity leave a maximum for 3 years after which it is necessary either to come to work or to leave. There the second is, is more low.