Most experts agree on the need for a thorough approach to the issues of this issue, as well as an analysis of work on their own mistakes made. Such a need is connected and due to the total failure of the previous version of the program for affordable housing for the domestic population. Back in the summer period, when the official start of this program was given, impressive numbers and indicators of 45 thousand of the provided mortgage loans throughout the year were voiced. Here are just to buy Ukrainians, with the support of state authorities, as a result, they were able to a little more than 1.2 thousand apartments.
What happened, which in the end did not allow me to radically translate the voiced figures into reality? By and large, this was due to the fact that this program was compiled directly by theorists, who did not have any practical skills to run into real conditions.
Initially, let’s pay attention to the fact that the proposed scheme was supposed to lend to banking structures the local population at 16 percent on an annualized basis, while 13 percent was compensated by the state itself, but in the end, buyers had to pay only 3 percent, which are essentially symbolic. But such a scheme stopped working immediately after interest on deposit rates began to creep up. The bank simply does not agree to provide debt obligations at 16 percent if it raises such funds at 25 percent per annum. Consequently, banks simply do not want to work at a loss, only to support the state.
No less questions were raised by the assessment of the cost of square meters, of which it was necessary to pay mortgage loans. There is no real housing in the capital region at a cost of 7 thousand hryvnia per square meter.
