Выдача ипотеки в Крыму растет, но количество кредитов ежемесячно исчисляется лишь десятками
Покупательская активность на рынке жилья Крыма в конце 2015 года снизилась во всех сегментах рынка, продолжив, тренд падения спроса, который начался в мае. Предложение на этом фоне выросло, по данным риелторско-консалтинговой компании REM Navigator, на 2,8% — до 8588 объектов.
Воплощение потенциального покупательского интереса к недвижимости полуострова в реальные сделки ограничено целым рядом факторов: сложностями перехода с украинской правовой базы на российскую, высокими ценами, ограниченностью ипотечного рынка. «Предложение превышает спрос. И связано это не только и не столько с политической обстановкой, сколько с переходным периодом в оформлении права собственности и большей частью с ценами. Цены, прямо скажем, московские», — рассказала ранее «РБК-Недвижимости» управляющий партнер московского агентства недвижимости Dream Realty Надежда Телеш. К примеру, двухкомнатная квартира в Ялте площадью 50 кв. м без отделки в строящемся монолитном доме в 800–1500 м от моря, по ее словам, обойдется по цене аналога на западе или юго-западе столицы, а именно в $200 тыс.
И это несмотря на то, что средние цены на недвижимость в Крыму с начала 2015 года снижались. В январе — ноябре падение, по данным REM Navigator, составило 29%. В ноябре долларовая стоимость квадратных метров уменьшилась на 2%.
Проблемы правового характера не дают развиваться в регионе ипотечному кредитованию. Об этом, в частности, в сентябре в запросе генеральному прокурору Юрию Чайке сообщал депутат Госдумы РФ Андрей Крутов («Справедливая Россия»). «Особенно возмущает ситуация с ипотекой. В Крыму очень старый жилой фонд. Большинству зданий свыше 50 лет, и возможностей для его реконструкции или постройки нового жилья нет, так как нет кредитования, а кредитования нет, потому что нет залогов. Значительная часть квартир и домов еще не перерегистрирована в соответствии с российским законодательством, в чем значительная часть вины регистрирующих органов», — писал депутат.
Ипотечные кредиты на покупку жилья в Крыму сейчас можно получить только в Российском национальном коммерческом банке (РНКБ, 100% принадлежит Республике Крым), который имеет в регионе самую развитую сеть отделений — около 280 офисов и 400 банкоматов. Крупные российские банки, опасаясь международных санкций, по-прежнему пока не рискуют идти в Крым. Сейчас на полуострове работают в основном небольшие финансово-кредитные организации. По данным ЦБ РФ, их около четверти сотни.
Сейчас в РНКБ действуют четыре ипотечные программы: «Простая ипотека», «Новоселье», «Потребительский кредит под залог недвижимости» и «Ипотека для военных». Все они рассчитаны на приобретение жилья на вторичном рынке. В банке сообщили, что на бумаге у них уже давно готовы ипотечные программы для приобретения готовой недвижимости на первичном рынке и квартир в строящихся проектах. Однако запустить их пока не позволяют обстоятельства.
За первую половину 2015 года, по данным Центробанка России, на территории Крымского федерального округа (КФО) ипотечные кредиты были выданы на сумму 88 млн руб. В РНКБ «РБК-Недвижимости» рассказали, что спрос на ипотеку в республике, несмотря на сдерживающие факторы, растет: в сентябре выдано 29 ипотечных кредитов на 50 млн руб., в октябре — 40 кредитов на 95 млн, в ноябре — 51 кредит на 159 млн руб. «За последние несколько месяцев РНКБ банк существенно расширил целевую аудиторию ипотечного кредитования — сейчас мы кредитуем наемных работников любых предприятий вне зависимости от формы собственности, в том числе индивидуальных предпринимателей. Причем кредитование не прекращалось даже в условиях недавней чрезвычайной ситуации на полуострове», — сообщили в пресс-службе РНКБ.
С октября 2014 года по октябрь 2015-го в банк обратились более 700 потенциальных заемщиков, около 98% получили одобрение. Но реальные сделки тормозятся как раз из-за проблем с регистрационными документами, оформленными по российским законам, еще раз уточняют в банке.
Еще одной существенной проблемой для развития рынка ипотеки в Крыму, как ранее рассказали корреспонденту «РБК-Недвижимости» в пресс-службе РНКБ, является специфика местного рынка — в регионе цены на жилье на вторичном рынке устанавливаются продавцами в иностранной валюте (чаще всего в долларах США), курс которой постоянно колеблется. Как следствие, цены нестабильны, и в некоторых случаях это вызывает разногласия между участниками сделки.
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