Belarus deputies initiate development of the systems of housing building savings

It was declared by the chairman of the Constant commission on the housing policy, building, trade and privatisation of the House of Representatives - Galina Poljanskaja at a meeting with journalists.

Now in Belarus on turn of living conditions requiring improvement consist about 701 thousand persons. And though the republic takes a leading place in the CIS on habitation building (last year 527 sq. m on 1 thousand persons in comparison with 451 sq. m to Russia were under construction and 222 sq. m in Ukraine) to provide with habitation of all requiring, using only preferential crediting, is unreal. The system of preferential crediting can become burdensome for the state, considering that requiring habitation from year to year becomes more and more. By estimates of deputies if the same rates of increase by 2012-2013 it will be possible to rank all inhabitants of Belarus as that remain. Such loading will be not not sustained by any state if not to diversify system of housing crediting, Galina Poljanskaja considers. Annually in the budget great sums of indemnifications to banks for privileges under credits for those who needs habitation are put. In the budget project for 2010 on indemnification it is provided Br1,333 bln.

"At us now only one system - preferential housing crediting for requiring really operates. It has become obsolete", - is convinced the deputy. Therefore it is important to create the mechanism of the state encouragement of those citizens which at the expense of own and credit resources will conduct housing construction.

Has positively proved in other countries long-term hypothecary crediting. It supplements, and it is productive, system of housing building savings. After all today in Belarus the mortgage practically does not work, the system of housing building savings legislatively is not fixed. Though the corresponding bill is developed by deputies since 2006. Initially in the document project basic articles about a role and support of the state have been registered in system of housing building savings. However then the bill finished in the architecture and building ministries, it repeatedly altered. As a result from the bill have cleaned the most important positions about the state support." The bill has turned to the declarative. In such kind it will not work. It is necessary to fill it ", - Galina Poljanskaja has told. In all countries where the system of building savings effectively works, there is a state awarding for those who satisfies a condition of the memory contract.

According to the deputy, in the bill important accurately to register, as the system of building savings will work. The deputy suggests to make its closed that the authorised bank itself regulated interest rates for those who participates in such system.

The financing mechanism should be based on accumulation of individual savings with a view of reception of a loan for acquisition and habitation building. The person signs the contract, does payments, there are bank percent plus the state charges to it housing awards. Accumulation on bank accounts within 5-7 years of the certain sum is provided. The person uses this money as the first payment, and then the bank gives the hypothecary credit. Pledge is the got apartment.

According to Galina Half-Jansky, it is very important not to go now by an example of the law on the mortgage. It has been accepted in Belarus in 2008, but does not work, in the country there are no long-term resources, in a society the positive relation to the mortgage and the state is not created not defined, what of world experiences on mortgage introduction approaches for Belarus. In our country there was an experience of introduction of system of building savings and it also has appeared effectless. The Belarusbank in 2006 has developed the bank system of building savings. But it is not protected by the law, is not closed and does not provide the state awards to investors. As a result of this system have taken advantage less than 1 thousand persons. Though, for example, in Czechia where the system of building savings is well developed, it use 4,5 million from 10 million inhabitants of this country. By world experience it is known that 1 euro enclosed by the state in awarding of investors of building savings, comes back in the budget in the triple size. It occurs at the expense of increase of volumes of building, tax deductions and development of other branches of economy, which as the locomotive, pull behind itself building.

The deputy considers that now in Belarus the opportunity for acceptance of the effective filled bill of system of building savings. After all the economic crisis will end sooner or later, and people can put up money in habitation. Besides, on social adaptation of bills 2-3 years usually leave. Plus about 5-6 years it is necessary for accumulation. Therefore the first house constructed thanks to system of building savings, can appear in Belarus not earlier, than in 9 years. "If to approve the declarative bill it does not happen even in 10 years", - Galina Poljanskaja has told.

In Belarus parliamentary hearings which will pass on November, 25th will be devoted development of housing crediting.

Representatives of bank system, state administration bodies, experts will participate in them from Kazakhstan, Germany where these systems work successfully. In recommendations deputies will suggest to form the interdepartmental commission which will work over the designated problem.