18:36:59 - 10.03.2010

Home Real Estate Young families will do without the mortgage
Young families will do without the mortgage
Here some years and in Ukraine, and Russia in the higher echelons of power the idea of support of youth housing crediting is rather hardy. Moreover – in it see almost panacea in the decision of a demographic problem.

The idea essence consists in the following: that young families felt in a life more confidently and gave birth to children, it grants on favourable terms the housing loan for which they pay much less, than usual borrowers as percent from the credit are compensated to banks by the state. In case at a young family the child is born, the state completely compensates payment of percent; at a birth of the second child – partially repays the credit, at a birth of the third – the certain part of the credit etc. is extinguished still. Thus, the government declares intention to solve a demographic problem and to raise birth rate.

Affirms, what exactly shortage of own habitation and leads to that young families нave one child or in general are childless today, and also often break up.

To expect to correct demographic indicators of the country at the expense of people "enslaved" and «burdened with debts» it is impossible. As it is known «in stressful situations» (and the debts under the mortgage are the most powerful stress) live beings do not breed are it is known at least from biology. To have on hands of the child, to earn on its livelihood, huddles in uncomfortable «to hypothecary apartment moreover to pay under the credit – a young, unadapted family to a life from such loadings can quickly break up. Besides, the youth mortgage think« actively to enter »in big cities – just there where and builders"operate". And obviously here« the hand of a building lobby » is felt.

Moreover, and a countryside the youth "is enticed" by the youth mortgage from a province in megacities. However it is known that practically in all countries and at all times in cities birth rate more low, and death rate above, than in villages both provincial small towns, and our time for this purpose an exception, unfortunately, is not.

Fortunately the economic crisis and outflow of the population from large megacities has led to that preconditions for improvement of a demographic situation can develop by itself. At the same time «the youth mortgage» actually "exhausts" people who could be moved in a countryside, in «demographic terrible» high-rise buildings. And today the main thing – at the governmental level of the tendency on «departure the population from megacities» – to support, instead of to direct public funds for support of the youth mortgage which, except earnings to banks and builders, and also possibility of corruption for officials, gives nothing.