Банкиры предлагают стимулировать жилищные сбережения россиян

© Fotolia / vchalupБанкротство физических лицБанкиры предлагают стимулировать жилищные сбережения россиян
© Fotolia / vchalup

МОСКВА, 26 июл — РИА Недвижимость. Банковское сообщество разработало проект закона о стимулировании жилищных сбережений россиян, написала в четверг газета «Коммерсант».

«Банкиры, стремясь простимулировать программы накоплений на первоначальный взнос по ипотеке, предлагают закрепить основные аспекты в законодательстве», — отмечает издание.

Как написано в статье, законопроект определяет, что по договору жилищных сбережений гражданин в течение определенного времени (три-семь лет) ежемесячно вносит на вклад денежные средства, на которые начисляются небольшие проценты (1-2% годовых). При этом он не может требовать у банка возврата суммы сбережений до истечения срока вклада. После истечения срока накопления он получает сумму сбережений и одновременно заключает с банком договор ипотеки по льготной процентной ставке.

При этом регионы будут определять параметры субсидирования таких программ. Страховое возмещение Агентства по страхованию вкладов (АСВ) по данному виду вкладов предлагается увеличить до 10 миллионов рублей, добавляется в материале.

Источник: realty.ria.ru

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