“Firstly, it concerns exclusively the market of new buildings.
Naturally, this will improve the position of developers, because sales have simply stopped since April, even at a rate of 12% - in principle, mortgages were not interesting, ”said the specialist.
According to Aprelev, the results of the adopted resolution can be judged by the results of May.
Lowering the mortgage rate "will support the market and create prospects," the source said.
He also noted the need to revise the approach to financing construction, change the model for attracting funds from equity holders.
“The model is such that people take a loan for two or three years, wait two or three years for the object to be put into operation.
From my point of view, it is necessary to change the model of raising funds and move on to selling exclusively finished housing, when people, having taken a mortgage loan, understand what they are paying interest for, understand the quality of the goods they purchase.
I mean apartments,” the expert concluded.
Earlier, it was reported about the signing of a resolution to reduce the interest rate under the Preferential Mortgage program from 12 to 9%, as well as to extend the program until the end of 2022.